Whatcom County property record for 3 River Ridge Loop, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,826 sqft · built 2018 |
| Owner | Individual Name on Record |
| Last Sale | $649,000 (Aug 2025) |
| Tax Bill | $6,172 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 570329 |
| Primary APN | 570329 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,826 sqft Living Area |
| 1st Floor Area | 520 sqft |
| 2nd Floor Area | 1,306 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Garage Type | Built-in |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 64 sqft |
| Balcony | Balcony |
| Balcony Area | 180 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 526435 |
|---|---|
| Street Address | 3 RIVER RIDGE LOOP |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SUDDEN VALLEY DIV 29 LOT 35 |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 01 |
| Legal Subdivision | SUDDEN VALLEY DIV 29 |
| Legal Lot Number | 35 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 809 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2023 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| May 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on Record |
| Deed Sale | Aug 19, 2025 · Amount on Record |
| Prior Sale | May 20, 2020 · Amount on Record |
| Deed Document Number | 2025-0801419 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000500612 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 2023-0500612 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 20, 2020 |
| Property Address | 3 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200502333 |
| Instrument Date | May 19, 2020 |
| Instrument | 502333 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,917.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200502334 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 502334 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 19, 2050 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,172.00 (+0.88%) | $690,028 (+0.88%) Land $136,944 Building $553,084 | $690,028 (+0.88%) Land $136,944 Building $553,084 |
| 2024 | $6,118.00 (+37.42%) | $683,982 (+16%) Land $135,744 Building $548,238 | $683,982 (+16%) Land $135,744 Building $548,238 |
| 2022 | $589,656 Land $117,024 Building $472,632 | $589,656 Land $117,024 Building $472,632 | |
| 2021 | $4,452.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people · EPA ID WA5395910 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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