3404 E Sunset Dr, Bellingham, WA 98226 Property Records

Whatcom County property record for 3404 E Sunset Dr, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1966
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Aug 2016)
Tax Bill	$4,676 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`574040`

Property Details

APN / Parcel Number

Primary APN	`574040`
Alternative APNs	`380316 369346 0000` `59437`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	1,092 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Built-Up Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	546 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	574040
Street Address	3404 E SUNSET DR
City	BELLINGHAM
State	WA
Zip	98226-5709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URMX
Legal Description	BEAP OF INTERS OF E LI OF SW NE WI SELY LI OF MT BAKER HWY SD PT BEING 134.8 FT S OF NE COR OF SW NE-TH S 40 DEG 37'00\ W ALG
Legal Range	03
Legal Township	38
Legal Section	16
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2009
Census Tract	804

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	Individual Name on Record
Mailing Address	3404 E SUNSET DR, BELLINGHAM, WA 98226-5709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Sep 30, 2020	Quit Claim Deed, Transfer UMPQUA BK
Aug 24, 2018	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2016 · Amount on Record
Deed Sale	Aug 22, 2016 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	2160802693
Last Transfer Date	Sep 30, 2020
Transfer Doc	0000905494
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3404 E SUNSET DR, BELLINGHAM, WA 98226-5709
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200431
Date	Feb 2, 2021
Instrument	2021-0200431

Lender

Name	UMPQUA BANK
Type	Bank
Address	97258

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 30, 2020
Property Address	3404 E SUNSET DR, BELLINGHAM, WA 98226-5709
Document Number	2200905494
Instrument Date	Sep 24, 2020
Instrument	905494
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3404 E SUNSET DR BELLINGHAM WA 982265709, BELLINGHAM, WA 98226-5709

Mortgage

Document Number	2200905495
Date	Sep 30, 2020
Instrument	905495

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 24, 2018
Property Address	3404 E SUNSET DR, BELLINGHAM, WA 98226-5709
Document Number	2180802504
Instrument Date	Aug 20, 2018
Instrument	802504
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,680.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 E SUNSET DR BELLINGHAM WA 982265709, BELLINGHAM, WA 98226-5709

Mortgage

Document Number	2180802505
Date	Aug 24, 2018
Instrument	802505

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,676.00 (+74.15%)	$571,824 (+15.75%) Land $252,808 Building $319,016	$571,824 (+15.75%) Land $252,808 Building $319,016
2022		$494,008 Land $218,405 Building $275,603	$494,008 Land $218,405 Building $275,603
2021	$2,685.00

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	3 (1979–2010)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2010 · rainfall accumulation

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	0.01% 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	CITY OF BELLINGHAM-WATER DIVISION serves 141,127 people · EPA ID WA5305600
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	3 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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