Whatcom County property record for 2892 E Smith Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,474 sqft · built 1967 |
| Lot Size | 4.55 acres (198,198 sqft) |
| Owner | Individual Name on File |
| Last Sale | $775,000 (Jul 2025) |
| Tax Bill | $4,970 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390430-491021-0000 |
| Primary APN | 390430-491021-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,474 sqft Living Area |
| Gross Area | 1,980 sqft |
| 1st Floor Area | 1,474 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Metal |
| Roof Material | Composition Shingle |
| Lot Area | 198,198 sqft (4.55 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Concrete/Metal Slab |
|---|---|
| Porch Area | 26 sqft |
| Patio Area | 190 sqft |
| Storage Building | 240 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 107946 |
|---|---|
| Street Address | 2892 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-7568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | TR IN S 1/2 SE SE DAF-BEG AT INTERS OF N LI OF SMITH RD (CO RD 58)-W LI OF SAND RD (CO RD 138)-TH N ALG W LI OF SAND RD 300 FT-TH W-PAR TO N LI OF SMITH RD 670 FT-TH S-PAR TO W LI OF SAND RD 300 FT-TH E ALG N LI OF SMITH RD 670 FT TO POB-EXC PTN TO W |
| Legal Range | 04 |
| Legal Township | 39 |
| Legal Section | 30 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 10702 |
Source: Whatcom County records · APN 390430-491021-0000
Assessment roll updated December 30, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 207 W ILLINOIS ST, BELLINGHAM, WA 98225-2516 |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Apr 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC |
| Apr 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2025 · Amount on Record |
| Deed Sale | Jul 31, 2025 · Amount on Record |
| Prior Sale | Oct 19, 2010 · Amount on Record |
| Deed Document Number | 20252610 |
| Prior Transfer Date | Jul 30, 2025 |
| Prior Transfer Doc | 0000002611 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2892 E SMITH RD, BELLINGHAM, WA 98226-7568 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000600053 |
|---|---|
| Date | Jun 01, 2021 |
| Instrument | 2021-0600053 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 01, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2892 E SMITH RD, BELLINGHAM, WA 98226-7568 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|---|
| Address | 2892 E SMITH RD, BELLINGHAM, WA 98226-7568 |
| Document Number | 0000401322 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2023-0401322 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2892 E SMITH RD, BELLINGHAM, WA 98226-7568 |
| Document Number | 2200401150 |
| Instrument Date | Apr 06, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 2892 E SMITH RD BELLINGHAM WA 982267568, BELLINGHAM, WA 98226-7568 |
| Document Number | 2200401150 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 401150 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 09, 2035 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Mount Baker School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,970.00 (+32.25%) | $653,007 (+20.73%) Land $278,640 Building $374,367 | $653,007 (+20.73%) Land $278,640 Building $374,367 |
| 2022 | $540,898 Land $315,700 Building $225,198 | $540,898 Land $315,700 Building $225,198 | |
| 2021 | $3,758.00 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 17 (1983–2021) |
| Most Recent Claim | Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| Radiate Holdings Cable | 1,500 / 50 |
Based on FCC filings for 24 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOUNT BAKER WATER ASSOCIATION private · serves 500 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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