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  5. E Smith Rd

3440 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3440 E Smith Rd, Bellingham, WA 98226 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,568 sqft · built 1996
Lot Size2.96 acres (128,938 sqft)
OwnerIndividual Name on File
Last Sale$700,000 (Apr 2022)
Tax Bill$4,333 (2025)
Deeds & MortgagesApr 2022 Sale & Mortgage
Jul 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN590379

Property Details

APN / Parcel Number

Primary APN590379
Alternative APNs
  • 390428 181035 0000
  • 107542
  • 68270

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,568 sqft Living Area
1st Floor Area1,568 sqft

Exterior

Year BuiltBuilt 1996
Architectural StyleOther
Exterior MaterialCombination
Foundation TypeConcrete
Roof MaterialMetal
Lot Area128,938 sqft (2.96 acres)
Deck Area288 sqft

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number68270
Street Address3440 E SMITH RD
CityBELLINGHAM
StateWA
Zip98226-9504
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHAT PTN OF SE SW LY SELY OF MT BAKER HWY-EXC PTN DAF-BEAP OF INTERS OF SELY LI OF MT BAKER HWY WI N LI OF SMITH RD-TH ELY 23
Legal Range04
Legal Township39
Legal Section28
JurisdictionWHATCOM WA
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1015
Census Tract10702

Owner

Source: Whatcom County records · APN 590379

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address12524 177TH AVE NE, WA
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 11, 2022Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Jul 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 11, 2022 · Amount on Record
Deed SaleApr 11, 2022 · Amount on Record
Deed Document Number2022-0401141
Record UpdatedJun 08, 2026

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateApr 11, 2022
Property Address3440 E SMITH RD, BELLINGHAM, WA 98226-9504
Document Number0000401141
Instrument DateApr 04, 2022
Instrument2022-0401141
Transaction TypeTransfer
Record UpdatedApr 18, 2022
Title CompanyCHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$11,565.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12524 177TH AVE NE, REDMOND, WA 98052-2109

Mortgage

Document Number0000401142
DateApr 11, 2022
Instrument2022-0401142
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address3440 E SMITH RD, BELLINGHAM, WA 98226-9504
Transaction TypeMortgage
Record UpdatedAug 04, 2021
Title CompanyAMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number20210704176
DateJul 23, 2021
Instrument2021-0704176
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictMount Baker School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,333.00 (+24.08%)$562,174 (+11.74%) Land $243,086 Building $319,088$562,174 (+11.74%) Land $243,086 Building $319,088
2022$503,122 Land $272,155 Building $230,967$503,122 Land $272,155 Building $230,967
2021$3,492.00

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims17 (1983–2021)
Most Recent ClaimNov 2021, river or lake flooding, Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 9 claims
  • Severe Storms & Flooding, Nov 1990 · 5 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 16% of Washington
Wildfire LikelihoodAbout 1 in 4,545 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Northwest FiberFiber6,000 / 6,000
Radiate HoldingsCable1,500 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

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