3508 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3508 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,800 sqft · built 1989
Lot Size	5.01 acres (218,236 sqft)
Owner	Individual Name on Record
Last Sale	$161,165 (Jul 2002)
Tax Bill	$5,890 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390428-273045-0000`

Property Details

APN / Parcel Number

Primary APN	`390428-273045-0000`
Alternative APNs	`107576` `113325` `113326`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,800 sqft Living Area
1st Floor Area	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2012
Architectural Style	Multi-Level
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	218,236 sqft (5.01 acres)

Exterior Amenities

Porch	Wood Porch
Porch Area	110 sqft
Deck Area	456 sqft
Storage Building	1,360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	107576
Street Address	3508 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	THAT PTN OF W 1/2 SW SE DAF-BEG AT SW COR OF SW SE-TH ELY ALG S LI OF SW SE BEING ALSO C/L OF E SMITH RD (CO RD 118) 300 FT-TH NLY-PAR WI W LI OF SW SE 280 FT-TH WLY-PAR WI S LI OF SW SE 120 FT-TH NLY-PAR WI SD W LI OF SW SE 300 FT-TH ELY-PAR WI SD S
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	3508 E SMITH RD, BELLINGHAM, WA 98226-7541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2002 · Amount on Record
Deed Sale	Jul 19, 2002 · Amount on Record
Deed Document Number	2002703085
Last Transfer Date	Apr 19, 2021
Transfer Doc	0000404299
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Apr 23, 2021
Property Address	3508 E SMITH RD, BELLINGHAM, WA 98226-7541
Document Number	0000404299
Instrument Date	Apr 19, 2021
Instrument	2021-0404299
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3508 E SMITH RD, BELLINGHAM, WA 98226-7541

Mortgage

Document Number	0000404300
Date	Apr 23, 2021
Instrument	2021-0404300

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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	$5,890.00 (+21.54%)	$775,967 (+11.39%) Land $281,916 Building $494,051	$775,967 (+11.39%) Land $281,916 Building $494,051
2022		$696,609 Land $319,266 Building $377,343	$696,609 Land $319,266 Building $377,343
2021	$4,846.00

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 and 4G LTE (outdoors only)

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