3505 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3505 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,998 sqft · built 1968
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Feb 2026)
Tax Bill	$4,940 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`390433-271518-0000`

Property Details

APN / Parcel Number

Primary APN	`390433-271518-0000`
Alternative APNs	`108281` `541372`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,998 sqft Living Area
Gross Area	2,362 sqft
1st Floor Area	624 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	61,855 sqft (1.42 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Concrete/Metal Slab
Porch Area	21 sqft
Patio Area	120 sqft
Storage Building	1,728 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	108281
Street Address	3505 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-7541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	W 100 FT OF N 435.6 FT OF NW NE-E 100 FT OF N 435.6 FT OF NE NW-LESS RD-EXC PTN DAF-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 July 7, 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	3505 E SMITH RD, BELLINGHAM, WA 98226-7541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Oct 13, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WESTEDGE FEDERAL CREDIT UNION
Feb 6, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
Sep 2, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
May 17, 2017	Warranty Deed, Transfer · Conventional with PMI PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	May 17, 2017 · Amount on Record
Deed Document Number	2026514
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jun 29, 2026
Property Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541
Document Number	0000002388
Instrument Date	Jun 17, 2026
Instrument	20262388
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541

Mortgage

Document Number	0000002388,
Date	Jun 29, 2026
Instrument	20262388

Lender

Name	BANNER BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001001983
Date	Oct 13, 2021
Instrument	2021-1001983

Lender

Name	WESTEDGE FEDERAL CREDIT UNION
Address	BELLINGHAM, WA 98225

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Sep 20, 2031

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Feb 6, 2026
Property Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541
Document Number	0000200514
Instrument Date	Feb 4, 2026
Instrument	2026-0200514
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,635.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541

Mortgage

Document Number	0000200515
Date	Feb 6, 2026
Instrument	2026-0200515

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541
Document Number	2200901105
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3505 E SMITH RD BELLINGHAM WA 982267541, BELLINGHAM, WA 98226-7541

Mortgage

Document Number	2200901105
Date	Sep 8, 2020
Instrument	901105

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Sep 7, 2040

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 17, 2017
Property Address	3505 E SMITH RD, BELLINGHAM, WA 98226-7541
Document Number	2170502055
Instrument Date	May 11, 2017
Instrument	502055
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,235.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3505 E SMITH RD BELLINGHAM WA 982267541, BELLINGHAM, WA 98226-7541

Mortgage

Document Number	2170502056
Date	May 17, 2017
Instrument	502056

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

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	$4,940.00 (+8.76%)	$650,018 (+10.31%) Land $249,883 Building $400,135	$650,018 (+10.31%) Land $249,883 Building $400,135
2024	$4,542.00 (+35.46%)	$589,242 (+22%) Land $231,375 Building $357,867	$589,242 (+22%) Land $231,375 Building $357,867
2022		$482,973 Land $189,647 Building $293,326	$482,973 Land $189,647 Building $293,326
2021	$3,353.00

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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