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3688 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3688 E Smith Rd, Bellingham, WA 98226

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,525 sqft · built 2003
Lot Size6 acres (261,360 sqft)
Owner2 Individual Names on Record
Last Sale$465,000 (Aug 2015)
Tax Bill$6,714 (2025)
Deeds & MortgagesNov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN390428-501065-0000

Property Details

APN / Parcel Number

Primary APN390428-501065-0000
Alternative APNs
  • 107687
  • 586583

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,525 sqft Living Area
Gross Area3,101 sqft
1st Floor Area1,662 sqft
FlooringCarpet
Interior WallsFinished/Painted

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2008
Exterior MaterialWood
Roof MaterialComposition Shingle
Lot Area261,360 sqft (6 acres)
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchWood Porch
Porch Area1,102 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number107687
Street Address3688 E SMITH RD
CityBELLINGHAM
StateWA
Zip98226-7542
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR5A
Legal DescriptionWLY 1/2 OF TR DAF-W 25 FT OF W 10 ACRES OF GOVT LOT 4 SEC 27 BEING BOUNDED ON S-W BY SEC LINES SEC 27-ON N BY NOOKSACK RIVER AS MEANDERED BY U S GOVT SURVEY-LESS RD-RR R/W-E 10 ACRES OF GOVT LOT 9 SEC 28 ACCORDING TO U S SURVEY THEREOF-LESS RD-TOG WI
Legal Range04
Legal Township39
Legal Section28
Legal Block1
Legal Lot Number4
JurisdictionWHATCOM WA
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1015
Census Tract10702

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 Record2 Individual Names on Record
Mailing Address3688 E SMITH RD, BELLINGHAM, WA 98226-7542
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2015 · Amount on Record
Deed SaleAug 21, 2015 · Amount on Record
Deed Document Number2015802464
Last Transfer DateNov 8, 2021
Transfer Doc0000002576
Record UpdatedSep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWHATCOM WA
Recording DateNov 16, 2021
Property Address3688 E SMITH RD, BELLINGHAM, WA 98226-7542
Document Number0001102576
Instrument DateNov 8, 2021
Instrument2021-1102576
Transaction TypeTransfer
Record UpdatedNov 1, 2023
Title CompanyWHATCOM LAND TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3688 E SMITH RD, BELLINGHAM, WA 98226-7542

Mortgage

Document Number0001102577
DateNov 16, 2021
Instrument2021-1102577
Lender
NameFLAGSTAR BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueDec 1, 2046

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictMount Baker School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,714.00 (+20.86%)$881,778 (+10.3%) Land $308,092 Building $573,686$881,778 (+10.3%) Land $308,092 Building $573,686
2022$799,415 Land $335,888 Building $463,527$799,415 Land $335,888 Building $463,527
2021$5,555.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims17 (1983–2021)
Most Recent ClaimNov 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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemMOUNT BAKER WATER ASSOCIATION
private · serves 500 people · EPA ID WA5356500
Water SourceGroundwater
Last State InspectionSep 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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