3221 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3221 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,402 sqft · built 1981
Lot Size	19.4 acres (845,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Apr 2017)
Tax Bill	$5,156 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`540534`

Property Details

APN / Parcel Number

Primary APN	`540534`
Alternative APNs	`390432 427480 0000` `108202`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,402 sqft Living Area
1st Floor Area	2,804 sqft
2nd Floor Area	423 sqft
Upper Floors Area	784 sqft
Attic Area	392 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Architectural Style	Log Home
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	845,064 sqft (19.4 acres)
Garage Type	Detached
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	78 sqft
Deck Area	216 sqft
Patio Area	300 sqft
Balcony	Balcony
Balcony Area	84 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	540534
Street Address	3221 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	W 1/2 NE NE-LESS RD-EXC THAT PTN LY WITHIN TR DAF-TR IN THAT PTN OF S 1/2 NE LY N OF MT BAKER HWY DAF-BEG AT INTERS OF NLY LI
Legal Range	04
Legal Township	39
Legal Section	32
Legal Subdivision	SEAMOUNT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1020
Census Tract	10702

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	3221 E SMITH RD, BELLINGHAM, WA 98226-9574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANNER BANK
Sep 18, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES BK
Apr 18, 2017	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2017 · Amount on Record
Deed Sale	Apr 18, 2017 · Amount on Record
Prior Sale	Jun 25, 2009 · Amount on Record
Deed Document Number	2017-0401719
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3221 E SMITH RD, BELLINGHAM, WA 98226-9574
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200042
Date	Feb 1, 2022
Instrument	2022-0200042

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3221 E SMITH RD, BELLINGHAM, WA 98226-9574
Document Number	2180902077
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3221 E SMITH RD BELLINGHAM WA 982269574, BELLINGHAM, WA 98226-9574

Mortgage

Document Number	2180902077
Date	Sep 24, 2018
Instrument	902077

Lender

Name	PEOPLES BK
Type	Bank
Address	FERNDALE, WA 98248

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 18, 2017
Property Address	3221 E SMITH RD, BELLINGHAM, WA 98226-9574
Document Number	2170401719
Instrument Date	Apr 12, 2017
Instrument	401719
Transaction Type	Transfer
Record Updated	Apr 25, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,905.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3221 E SMITH RD BELLINGHAM WA 982269574, BELLINGHAM, WA 98226-9574

Mortgage

Document Number	2170401720
Date	Apr 18, 2017
Instrument	401720

Lender

Name	NEIGHBORHOOD MTG
Type	Mortgage Company
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

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	Mount Baker School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,156.00 (-4.84%)	$668,948 (-14.06%) Land $323,738 Building $345,210	$668,948 (-14.06%) Land $323,738 Building $345,210
2022		$778,407 Land $518,473 Building $259,934	$778,407 Land $518,473 Building $259,934
2021	$5,418.00

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 · 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	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 9 claims Severe Storms & Flooding, Nov 1990 · 5 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 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
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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