3666 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3666 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,336 sqft · built 1915
Lot Size	6.79 acres (295,772 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,125 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82148`

Property Details

APN / Parcel Number

Primary APN	`82148`
Alternative APNs	`390428 478067 0000` `107679`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft

Exterior

Year Built	Built 1915
Architectural Style	Other
Exterior Material	Combination
Roof Material	Metal
Lot Area	295,772 sqft (6.79 acres)
Porch	Enclosed Porch
Porch Area	352 sqft
Deck Area	704 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	82148
Street Address	3666 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 8 ACRES OF E 18 ACRES OF GOVT LOT 9-LESS RD-EXC S 220 FT OF W 105 FT THEREOF-EXC THAT PTN LY WITHIN BNDRY LI AGRMT LY WITHI
Legal Range	04
Legal Township	39
Legal Section	28
Legal Lot Number	9
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
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	3666 E SMITH RD, BELLINGHAM, WA 98226-7542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CREDIT UNION
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage INDUSTRIAL CREDIT UNION
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage INDUSTRIAL CU OF WHATCOM CNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018
Deed Sale	Jun 29, 2018
Deed Document Number	2018-0603253
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3666 E SMITH RD, BELLINGHAM, WA 98226-7542
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3666 E SMITH RD, BELLINGHAM, WA 98226-7542

Mortgage

Document Number	0001000349
Date	Oct 6, 2022
Instrument	2022-1000349

Lender

Name	INDUSTRIAL CREDIT UNION
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3666 E SMITH RD, BELLINGHAM, WA 98226-7542
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402772
Date	Apr 26, 2022
Instrument	2022-0402772

Lender

Name	INDUSTRIAL CREDIT UNION
Address	BELLINGHAM, WA 98227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3666 E SMITH RD, BELLINGHAM, WA 98226-7542
Document Number	2190600093
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 17, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3666 E SMITH RD BELLINGHAM WA 982267542, BELLINGHAM, WA 98226-7542

Mortgage

Document Number	2190600093
Date	Jun 3, 2019
Instrument	600093

Lender

Name	INDUSTRIAL CU OF WHATCOM CNTY
Address	PO BOX 1767, BELLINGHAM, WA 98227-1767

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,125.00 (+22.37%)	$664,887 (+10.57%) Land $292,004 Building $372,883	$664,887 (+10.57%) Land $292,004 Building $372,883
2022		$601,304 Land $368,098 Building $233,206	$601,304 Land $368,098 Building $233,206
2021	$4,188.00

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 1 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

4G LTE (outdoors only), no 5G reported

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