3497 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3497 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,054 sqft · built 1940
Lot Size	0.489 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,280 (May 2007)
Tax Bill	$3,589 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`573979`

Property Details

APN / Parcel Number

Primary APN	`573979`
Alternative APNs	`390433 264536 0000` `108280`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,054 sqft Living Area
1st Floor Area	1,054 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Other
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.489 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	82 sqft
Patio Area	552 sqft
Storage Building	384 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	573979
Street Address	3497 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 NW COR OF E 100 FT OF N 435.6 FT OF NE NW-LESS RD-TH E 107 FT-TH S 200 FT-TH W 107 FT-TH N 200 FT TO POB
Legal Range	04
Legal Township	39
Legal Section	33
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1019
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	3497 E SMITH RD, BELLINGHAM, WA 98226-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MTG
Sep 29, 2020	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2007 · Amount on Record
Deed Sale	May 14, 2007 · Amount on Record
Prior Sale	May 14, 2007 · Amount on Record
Deed Document Number	2070502095
Last Transfer Date	Sep 29, 2020
Transfer Doc	2200905163
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3497 E SMITH RD, BELLINGHAM, WA 98226-9504
Document Number	2201002113
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3497 E SMITH RD BELLINGHAM WA 982269504, BELLINGHAM, WA 98226-9504

Mortgage

Document Number	2201002113
Date	Oct 13, 2020
Instrument	1002113

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 29, 2020
Property Address	3497 E SMITH RD, BELLINGHAM, WA 98226-9504
Document Number	2200905163
Instrument Date	Sep 17, 2020
Instrument	905163
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3497 E SMITH RD BELLINGHAM WA 982269504, BELLINGHAM, WA 98226-9504

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	$3,589.00 (+56.66%)	$465,648 (+29.33%) Land $231,000 Building $234,648	$465,648 (+29.33%) Land $231,000 Building $234,648
2022		$360,050 Land $174,316 Building $185,734	$360,050 Land $174,316 Building $185,734
2021	$2,291.00

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 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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