Whatcom County property record for 3025 E Smith Rd, Bellingham, WA 98226
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,664 sqft · built 1999 |
| Lot Size | 4.65 acres (202,554 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $630,000 (Mar 2026) |
| Tax Bill | $3,751 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390432-143490-0000 |
| Primary APN | 390432-143490-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 1,664 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 202,554 sqft (4.65 acres) |
| Lot Dimensions | 26 ft deep x 64 ft wide |
| Deck Area | 230 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 108115 |
|---|---|
| Street Address | 3025 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9563 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R5A |
| Legal Description | LOT A SMITH HOLLOW SHORT PLAT AS REC BOOK 11 SHORT PLATS PG 37-EXC PTN TO WHATCOM CO FOR RD DESC AF 930408071 99 AMBERGUE S#67910141MABC 64X26 (TE AF 2050505487) |
| Legal Range | 04 |
| Legal Township | 39 |
| Legal Section | 32 |
| Legal Subdivision | SMITH HOLLOW SHORT PLAT |
| Legal Block | 1 |
| Legal Lot Number | A |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10702 |
Source: Whatcom County records, as of April 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3025 E SMITH RD, BELLINGHAM, WA 98226-9563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO |
| Jul 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK |
| Oct 24, 2019 | Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2026 · Amount on Record |
| Deed Sale | Mar 4, 2026 · Amount on Record |
| Prior Sale | Jul 14, 2021 · Amount on Record |
| Deed Document Number | 2026220 |
| Prior Transfer Date | Nov 10, 2016 |
| Prior Transfer Doc | 0001103408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 4, 2026 |
| Property Address | 3025 E SMITH RD, BELLINGHAM, WA 98226-9563 |
| Document Number | 0000300220 |
| Map Reference | AF 930408071 |
| Instrument Date | Mar 2, 2026 |
| Instrument | 2026-0300220 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,274.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3025 E SMITH RD, BELLINGHAM, WA 98226-9563 |
| Document Number | 0000300221 |
|---|---|
| Date | Mar 4, 2026 |
| Instrument | 2026-0300221 |
| Name | EVERGREEN MONEYSOURCE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 14, 2021 |
| Property Address | 3025 E SMITH RD, BELLINGHAM, WA 98226-9563 |
| Document Number | 20210702147 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 2021-0702147 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,562.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3025 E SMITH RD, BELLINGHAM, WA 98226-9563 |
| Document Number | 20210702148 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 2021-0702148 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3025 E SMITH RD, BELLINGHAM, WA 98226-9563 |
| Document Number | 2191003615 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3025 E SMITH RD BELLINGHAM WA 982269563, BELLINGHAM, WA 98226-9563 |
| Document Number | 2191003615 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 1003615 |
| Name | INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-1767 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Mount Baker School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,751.00 (+11.11%) | $510,475 (-7.61%) Land $279,319 Building $231,156 | $510,475 (-7.61%) Land $279,319 Building $231,156 |
| 2022 | $552,551 Land $320,134 Building $232,417 | $552,551 Land $320,134 Building $232,417 | |
| 2021 | $3,376.00 |
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 · 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 |
| 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 |
|
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: 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 | 0.02% 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 | MOUNT BAKER WATER ASSOCIATION private · serves 500 people · EPA ID WA5356500 |
|---|---|
| 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, 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 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ziply Fiber Fiber | 6,000 / 6,000 |
| Astound Broadband Cable | 1,500 / 50 |
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