2945 E Sunset Dr, Bellingham, WA 98226 Property Records

Whatcom County property record for 2945 E Sunset Dr, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1976
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Apr 2019)
Tax Bill	$4,042 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`560159`

Property Details

APN / Parcel Number

Primary APN	`560159`
Alternative APNs	`380316 262256 0000` `59249`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Deck Area	206 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	560159
Street Address	2945 E SUNSET DR
City	BELLINGHAM
State	WA
Zip	98226-5609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS10
Legal Description	LINDSHIER GARDENS LOT 12 BLK 3-EXC PTN TO CITY OF BELLINGHAM FOR STREET DESC AF 2071103762
Legal Range	03
Legal Township	38
Legal Section	16
Legal Subdivision	LINDSHIER GARDENS
Legal Block	3
Legal Lot Number	12
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2008
Census Tract	102

Owner

Source: Whatcom County records, as of March 16, 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 Record
Mailing Address	2945 E SUNSET DR, BELLINGHAM, WA 98226-5609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 2, 2020	Deed of Trust, Mortgage · VA Mortgage ARCUS LENDING INC ARCUS LENDING INC
Apr 15, 2019	Warranty Deed, Transfer · VA Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2019 · Amount on Record
Deed Sale	Apr 15, 2019 · Amount on Record
Prior Sale	Jul 26, 2012 · Amount on Record
Deed Document Number	2019-0401436
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2945 E SUNSET DR, BELLINGHAM, WA 98226-5609
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000501504
Date	May 10, 2021
Instrument	2021-0501504

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	May 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2945 E SUNSET DR, BELLINGHAM, WA 98226-5609
Document Number	2200400928
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 E SUNSET DR BELLINGHAM WA 982265609, BELLINGHAM, WA 98226-5609

Mortgage

Document Number	2200400928
Date	Apr 8, 2020
Instrument	400928

Lender

Name	ARCUS LENDING INC ARCUS LENDING INC
Type	Bank
Address	SAN JOSE, CA 95128

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 15, 2019
Property Address	2945 E SUNSET DR, BELLINGHAM, WA 98226-5609
Document Number	2190401436
Instrument Date	Apr 10, 2019
Instrument	401436
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,858.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 E SUNSET DR BELLINGHAM WA 982265609, BELLINGHAM, WA 98226-5609

Mortgage

Document Number	2190401437
Date	Apr 15, 2019
Instrument	401437

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,042.00 (+50.04%)	$494,220 (+15.75%) Land $210,090 Building $284,130	$494,220 (+15.75%) Land $210,090 Building $284,130
2022		$426,964 Land $181,500 Building $245,464	$426,964 Land $181,500 Building $245,464
2021	$2,694.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BELLINGHAM-WATER DIVISION serves 141,127 people · EPA ID WA5305600
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, CenturyLink.

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