3470 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3470 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,855 sqft · built 1977
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$4,730 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390428-232014-0000`

Property Details

APN / Parcel Number

Primary APN	`390428-232014-0000`
Alternative APNs	`107560` `580459` `522531`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,855 sqft Living Area
Gross Area	2,626 sqft
1st Floor Area	1,174 sqft
Basement Area	946 sqft
Finished Basement	681 sqft
Unfinished Basement	265 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	107560
Street Address	3470 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	BEG AT INTERS OF N LI OF SMITH RD WI LI 208.7 FT W OF E LI OF SE SW-TH W 208.7 FT ALG N RD LI-TH N 208.7 FT-TH E TO A LI PAR WI-208.7 FT W OF E LI OF SE SW 208.7 FT-TH S 208.7 FT TO POB
Legal Range	04
Legal Township	39
Legal Section	28
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	10702

Owner

Source: Whatcom County records, as of April 2, 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	3470 E SMITH RD, BELLINGHAM, WA 98226-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
May 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 17, 2021
Transfer Doc	0000003098
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3470 E SMITH RD, BELLINGHAM, WA 98226-9504
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000502158
Date	May 26, 2023
Instrument	2023-0502158

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	May 19, 2021
Property Address	3470 E SMITH RD, BELLINGHAM, WA 98226-9504
Document Number	20210503098
Instrument Date	May 17, 2021
Instrument	2021-0503098
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3470 E SMITH RD, BELLINGHAM, WA 98226-9504

Mortgage

Document Number	0000503099
Date	May 19, 2021
Instrument	2021-0503099

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$4,730.00 (+54.58%)	$622,231 (+29.15%) Land $242,400 Building $379,831	$622,231 (+29.15%) Land $242,400 Building $379,831
2022		$481,799 Land $229,363 Building $252,436	$481,799 Land $229,363 Building $252,436
2021	$3,060.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 24 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

Cell Coverage

5G (outdoors only) and 4G LTE

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