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291 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 291 E Smith Rd, Bellingham, WA 98226 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,040 sqft · built 1928
Lot Size4.77 acres (207,781 sqft)
Owner2 Individual Names on File
Tax Bill$7,706 (2025)
Deeds & MortgagesApr 2026 Mortgage
Sep 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN79780

Property Details

APN / Parcel Number

Primary APN79780
Alternative APNs
  • 390331 264511 0000
  • 105082

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,040 sqft Living Area
1st Floor Area1,392 sqft
2nd Floor Area168 sqft
Basement Area1,308 sqft
Unfinished Basement1,308 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1928
Architectural StyleSplit Level
Exterior MaterialCombination
Foundation TypeConcrete
Roof MaterialMetal
Lot Area207,781 sqft (4.77 acres)

Exterior Amenities

PorchPorch
Porch Area100 sqft
Deck Area651 sqft
Patio Area300 sqft
Storage Building900 sqft

Utilities, Heating & Cooling

Heating SystemHot Water

Location & Zoning

Account Number79780
Street Address291 E SMITH RD
CityBELLINGHAM
StateWA
Zip98226-9763
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 5 ACRES EXCL OF RD OF THAT PTN LY WLY OF E 60 FT OF TR DAF-W 1/2 NW NE-EXC E 5 ACRES THEREOF-E 1/4 E 1/2 NE NW-SUBJ TO BNDR
Legal Range03
Legal Township39
Legal Section31
JurisdictionWHATCOM WA
Township / Civil DivisionBELLINGHAM
Census Block Group2
Census Block2006
Census Tract101

Owner

Source: Whatcom County records · APN 79780

Assessment roll updated May 31, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address291 E SMITH RD, BELLINGHAM, WA 98226-9763
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 17, 2026Deed of Trust, Mortgage · Conventional Mortgage
NORTH COAST CREDIT UNION
Sep 26, 2022Deed of Trust, Mortgage · Line of Credit
NORTH COAST CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Recording DateApr 17, 2026
Property Address291 E SMITH RD, BELLINGHAM, WA 98226-9763
Document Number0000001418
Instrument DateApr 13, 2026
Instrument20261418
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address291 E SMITH RD, BELLINGHAM, WA 98226-9763

Mortgage

Document Number0000001418,
DateApr 17, 2026
Instrument20261418
Lender
NameNORTH COAST CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2041
Interest
Rate TypeFixed Rate
Rate5.5%
Initial TypeFixed Rate
Max Rate-1%

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address291 E SMITH RD, BELLINGHAM, WA 98226-9763
Transaction TypeMortgage
Record UpdatedOct 03, 2022
Title CompanyWHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address291 EAST SRMIVTH RD, BELLINGHAM, WA 98226

Mortgage

Document Number0000902132
DateSep 26, 2022
Instrument2022-0902132
Lender
NameNORTH COAST CU
TypeCredit Union
AddressBLAKELY ISLAND, WA 98222
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueSep 21, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictMeridian School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$7,706.00 (+37.8%)$842,257 (+14.3%) Land $355,336 Building $486,921$842,257 (+14.3%) Land $355,336 Building $486,921
2022$736,874 Land $311,023 Building $425,851$736,874 Land $311,023 Building $425,851
2021$5,592.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730001012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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