3663 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3663 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,810 sqft · built 1915
Lot Size	9.71 acres (422,968 sqft)
Owner	Individual Name on Record
Last Sale	$283,651 (May 2003)
Tax Bill	$5,960 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390433-490477-0000`

Property Details

APN / Parcel Number

Primary APN	`390433-490477-0000`
Alternative APNs	`108299` `585603` `274014`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,810 sqft Living Area
1st Floor Area	2,216 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1976
Architectural Style	Multi-Level
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	422,968 sqft (9.71 acres)
Garage Type	Detached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Porch	Concrete/Metal Slab
Porch Area	102 sqft
Deck Area	639 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	108299
Street Address	3663 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-7542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	W 330 FT OF E 1/2 NE NE
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 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	3663 E SMITH RD, BELLINGHAM, WA 98226-7542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2003 · Amount on Record
Deed Sale	May 28, 2003 · Amount on Record
Deed Document Number	2003506628
Last Transfer Date	Apr 23, 2021
Transfer Doc	0001002099
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Oct 14, 2021
Property Address	3663 E SMITH RD, BELLINGHAM, WA 98226-7542
Document Number	20211002099
Instrument Date	Apr 23, 2021
Instrument	2021-1002099
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	SERVICELINK

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	3663 E SMITH RD, BELLINGHAM, WA 98226-7542

Mortgage

Document Number	20211002100
Date	Oct 14, 2021
Instrument	2021-1002100

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3663 E SMITH RD, BELLINGHAM, WA 98226-7542
Document Number	2190301575
Instrument Date	Mar 16, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3663 E SMITH RD BELLINGHAM WA 982267542, BELLINGHAM, WA 98226-7542

Mortgage

Document Number	2190301575
Date	Mar 19, 2019
Instrument	301575

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 18, 2039

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	$5,960.00 (+18.14%)	$781,724 (+8.06%) Land $301,544 Building $480,180	$781,724 (+8.06%) Land $301,544 Building $480,180
2022		$723,399 Land $351,735 Building $371,664	$723,399 Land $351,735 Building $371,664
2021	$5,045.00

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 62% of the US · lower than 69% of Washington
Wildfire Likelihood	0.03% 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 11 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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