Whatcom County property record for 3121 E Smith Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,819 sqft · built 2016 |
| Lot Size | 4.61 acres (201,247 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Oct 2002) |
| Tax Bill | $5,881 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 57835 |
| Primary APN | 57835 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| 1st Floor Area | 1,819 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 201,247 sqft (4.61 acres) |
| Garage Type | Attached |
| Garage Area | 832 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Heating System | Forced Air |
|---|
| Account Number | 57835 |
|---|---|
| Street Address | 3121 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9597 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | THAT PTN OF NW NW NE LY WLY OF LI DAF-BEG AT SW COR OF W 1/2 OF SD SUBDIV-TH S 88 DEG 31'54\ E 327.40 FT TO SE COR OF W 1/2-P |
| Legal Range | 04 |
| Legal Township | 39 |
| Legal Section | 32 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10702 |
Source: Whatcom County records · APN 57835
Assessment roll updated May 31, 2025 · Last verified March 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 File |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANNER BK |
| Dec 24, 2016 | Loan Modification, Mortgage BANNER BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 07, 2002 · Amount on Record |
| Deed Sale | Oct 07, 2002 · Amount on Record |
| Prior Sale | Mar 28, 2016 |
| Deed Document Number | 2021001197 |
| Last Transfer Date | Aug 27, 2025 |
| Transfer Doc | 0000802135 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3121 E SMITH RD, BELLINGHAM, WA 98226-9597 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000300181 |
|---|---|
| Date | Mar 01, 2021 |
| Instrument | 2021-0300181 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3121 E SMITH RD, BELLINGHAM, WA 98226-9597 |
| Document Number | 2200301206 |
| Instrument Date | Mar 05, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 3121 E SMITH RD BELLINGHAM WA 982269597, BELLINGHAM, WA 98226-9597 |
| Document Number | 2200301206 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 301206 |
| Name | BANNER BK |
|---|---|
| Type | Bank |
| Address | WALLA WALLA, WA 99362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3121 E SMITH RD, BELLINGHAM, WA 98226-9597 |
| Document Number | 2170300441 |
| Instrument Date | Dec 24, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3121 E SMITH RD BELLINGHAM WA 982269597, BELLINGHAM, WA 98226-9597 |
| Document Number | 2170300441 |
|---|---|
| Date | Mar 06, 2017 |
| Instrument | 300441 |
| Name | BANNER BK |
|---|---|
| Type | Bank |
| Address | WALLA WALLA, WA 99362 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 05, 2047 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Mount Baker School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,881.00 (+23.32%) | $762,989 (+11.41%) Land $279,094 Building $483,895 | $762,989 (+11.41%) Land $279,094 Building $483,895 |
| 2022 | $684,834 Land $279,838 Building $404,996 | $684,834 Land $279,838 Building $404,996 | |
| 2021 | $4,769.00 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| Radiate Holdings Cable | 1,500 / 50 |
Based on FCC filings for 26 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOUNT BAKER WATER ASSOCIATION private · serves 500 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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