Whatcom County property record for 3540 E Smith Rd, Bellingham, WA 98226 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,402 sqft · built 1996 |
| Lot Size | 14.3 acres (626,828 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,280 (Jan 2011) |
| Tax Bill | $6,984 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 486368 |
| Primary APN | 486368 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,402 sqft Living Area |
| 1st Floor Area | 1,571 sqft 1st Floor |
| 2nd Floor Area | 831 sqft 2nd Floor |
| Basement Area | 997 sqft Basement |
| Unfinished Basement | 997 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Metal |
| Foundation Type | Concrete |
| Roof Material | Metal |
| Lot Area | 626,828 sqft (14.3 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Garage Area | 552 sqft Garage |
| Deck Area | 320 sqft Deck |
|---|---|
| Porch | Porch |
| Porch Area | 280 sqft Porch |
| Storage Building | 600 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 486368 |
|---|---|
| Street Address | 3540 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-7541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 1/2 SW SE-EXC PTN 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 NL |
| 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 |
Source: Whatcom County records · APN 486368
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3540 E SMITH RD, BELLINGHAM, WA 98226-7541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2021 | Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP |
| Mar 17, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Oct 05, 2017 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 27, 2011 · Amount on Record |
| Deed Sale | Jan 27, 2011 · Amount on Record |
| Prior Sale | Apr 12, 2004 · Amount on Record |
| Deed Document Number | 2110103783 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3540 E SMITH RD, BELLINGHAM, WA 98226-7541 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|
| Document Number | 0000200440 |
|---|---|
| Date | Feb 02, 2021 |
| Instrument | 2021-0200440 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3540 E SMITH RD, BELLINGHAM, WA 98226-7541 |
| Document Number | 2210103319 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3540 E SMITH RD BELLINGHAM WA 982267541, BELLINGHAM, WA 98226-7541 |
| Document Number | 2210103319 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 103319 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 20, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3540 E SMITH RD, BELLINGHAM, WA 98226-7541 |
| Document Number | 2171001554 |
| Instrument Date | Oct 05, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3540 E SMITH RD BELLINGHAM WA 982267541, BELLINGHAM, WA 98226-7541 |
| Document Number | 2171001554 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 1001554 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2047 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Mount Baker School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,984.00 (+14.66%) | $906,110 (+3.32%) Land $317,564 Building $588,546 | $906,110 (+3.32%) Land $317,564 Building $588,546 |
| 2022 | $877,012 Land $438,601 Building $438,411 | $877,012 Land $438,601 Building $438,411 | |
| 2021 | $6,091.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 16% of Washington |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures