305 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 305 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 2,023 sqft · built 1982
Lot Size	4.8 acres (209,088 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Aug 2018)
Tax Bill	$7,705 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`554532`

Property Details

APN / Parcel Number

Primary APN	`554532`
Alternative APNs	`390319 272158 0000` `103284`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	2,023 sqft Living Area
1st Floor Area	4,895 sqft
Upper Floors Area	165 sqft
Attic Area	165 sqft
Flooring	Tile
Interior Walls	Finished/Painted
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Tile
Lot Area	209,088 sqft (4.8 acres)
Garage Type	Attached
Garage Area	565 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Patio Area	126 sqft
Storage Building	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	554532
Street Address	305 E LAUREL RD
City	BELLINGHAM
State	WA
Zip	98226-9773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 3 BACON SHORT PLAT AS REC BOOK 4 SHORT PLATS PG 84-EXC UNDIV 1/2 INT IN OIL RTS AS RES IN VOL 332-D-395-EXC PTN TO WHATCO
Legal Range	03
Legal Township	39
Legal Section	19
Legal Subdivision	BACON SHORT PLAT
Legal Lot Number	3
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
Census Tract	10701

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	2 Individual Names on Record
Mailing Address	305 E LAUREL RD, BELLINGHAM, WA 98226-9773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2018	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY
Jun 7, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2018 · Amount on Record
Deed Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	2018-0803092
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 29, 2018
Property Address	305 E LAUREL RD, BELLINGHAM, WA 98226-9773
Document Number	2180803092
Instrument Date	Aug 8, 2018
Instrument	803092
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,439.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91-1085 KEKUILANI LOOP #F KAPOLEI HI 967073050, F, KAPOLEI, HI 96707-3050

Mortgage

Document Number	2180803093
Date	Aug 29, 2018
Instrument	803093

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	305 E LAUREL RD, BELLINGHAM, WA 98226-9773
Document Number	2180601182
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	CSC ERECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E LAUREL RD BELLINGHAM WA 982269773, BELLINGHAM, WA 98226-9773

Mortgage

Document Number	2180601182
Date	Jun 12, 2018
Instrument	601182

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,705.00 (+18.37%)	$879,126 (+3.95%) Land $416,198 Building $462,928	$879,126 (+3.95%) Land $416,198 Building $462,928
2022		$845,681 Land $371,358 Building $474,323	$845,681 Land $371,358 Building $474,323
2021	$6,509.00

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	Direct burnable vegetation

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	DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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