Whatcom County property record for 3328 E Smith Rd, Bellingham, WA 98226 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,566 sqft · built 1971 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,592 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 86963 |
| Primary APN | 86963 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,566 sqft Living Area |
| 1st Floor Area | 1,204 sqft |
| 2nd Floor Area | 1,362 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Metal |
| Foundation Type | Block |
| Roof Material | Metal |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Type | Attached |
| Garage Area | 754 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 49 sqft |
| Deck Area | 781 sqft |
| Storage Building | 1,200 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 86963 |
|---|---|
| Street Address | 3328 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR IN SW SW DAF-BEAP ON C/L OF SMITH RD 290 FT E ALG SD C/L FR W SEC LI-TH N AT R/A TO SMITH RD 300 FT-TH E 145 FT-TH S 300 F |
| Legal Range | 04 |
| Legal Township | 39 |
| Legal Section | 28 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 10702 |
Source: Whatcom County records · APN 86963
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3328 E SMITH RD, BELLINGHAM, WA 98226-9509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 04, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3328 E SMITH RD, BELLINGHAM, WA 98226-9509 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 3328 E SMITH RD, BELLINGHAM, WA 98226-9509 |
| Document Number | 0000800388 |
|---|---|
| Date | Aug 04, 2022 |
| Instrument | 2022-0800388 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3328 E SMITH RD, BELLINGHAM, WA 98226-9509 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 20210603143 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 2021-0603143 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3328 E SMITH RD, BELLINGHAM, WA 98226-9509 |
| Document Number | 2200100871 |
| Instrument Date | Nov 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Address | 3328 E SMITH RD BELLINGHAM WA 982269509, BELLINGHAM, WA 98226-9509 |
| Document Number | 2200100871 |
|---|---|
| Date | Jan 09, 2020 |
| Instrument | 100871 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 08, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3328 E SMITH RD, BELLINGHAM, WA 98226-9509 |
| Document Number | 2190302081 |
| Instrument Date | Mar 01, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2019 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Address | 3328 E SMITH RD BELLINGHAM WA 982269509, BELLINGHAM, WA 98226-9509 |
| Document Number | 2190302081 |
|---|---|
| Date | Mar 25, 2019 |
| Instrument | 302081 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 24, 2034 |
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 | $5,592.00 (+42.22%) | $725,519 (+17.17%) Land $277,200 Building $448,319 | $725,519 (+17.17%) Land $277,200 Building $448,319 |
| 2022 | $619,176 Land $229,363 Building $389,813 | $619,176 Land $229,363 Building $389,813 | |
| 2021 | $3,932.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730107021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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, river or lake flooding, Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 16% of Washington |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 29 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Northwest Fiber | Fiber | 6,000 / 6,000 |
| Radiate Holdings | Cable | 1,500 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures