Whatcom County property record for 3003 Toad Lake Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,312 sqft · built 1928 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,108 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 112145 |
| Primary APN | 112145 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| 2nd Floor Area | 300 sqft |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Year Built | Built 1928 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Block |
| Roof Material | Metal |
| Lot Area | 11,326 sqft (0.26 acres) |
| Deck Area | 204 sqft |
| Storage Building | 336 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 112145 |
|---|---|
| Street Address | 3003 TOAD LAKE RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS20.0 |
| Legal Description | SILVER BEACH ON LAKE WHATCOM LOTS 10-11 BLK 51 |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 22 |
| Legal Subdivision | SILVER BEACH ON LAKE WHATCOM |
| Legal Block | 51 |
| Legal Lot Number | 10 11 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 804 |
3003 Toad Lake Rd is owned and occupied by an individual.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3003 TOAD LAKE RD, BELLINGHAM, WA 98226-9435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3003 Toad Lake Rd was $4,108.
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| Municipality | Bellingham City |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,108.00 | $502,300 Land $226,897 Building $275,403 | $502,300 Land $226,897 Building $275,403 |
| 2022 | $433,945 Land $196,020 Building $237,925 | $433,945 Land $196,020 Building $237,925 | |
| 2021 | $3,481.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3003 Toad Lake Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 3 (1984–2016) |
| Most Recent Claim | Oct 2016 · other causes |
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.
Wildfire risk around 3003 Toad Lake Rd is low, with a 0.01% annual chance of 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 | 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 | WHATCOM COUNTY WATER DIST #7 serves 1,410 people · EPA ID WA5395900 |
|---|---|
| Water Source | Purchased surface water from CITY OF BELLINGHAM-WATER DIVISION |
| Last State Inspection | Jun 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband.
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