3696 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3696 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft · built 1943
Lot Size	5.94 acres (258,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$737,500 (May 2021)
Tax Bill	$5,445 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390428-520065-0000`

Property Details

APN / Parcel Number

Primary APN	`390428-520065-0000`
Alternative APNs	`3904285050750000` `107700` `580552` `96659`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,812 sqft Living Area
Gross Area	3,186 sqft
1st Floor Area	1,280 sqft
Basement Area	1,304 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1998
Architectural Style	Multi-Level
Exterior Material	Metal
Roof Material	Built-Up Asphalt
Lot Area	258,746 sqft (5.94 acres)
Garage Type	Carport
Garage Area	612 sqft
Carport	Carport
Carport Area	612 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	294 sqft
Deck Area	240 sqft
Storage Building	1,380 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	107700
Street Address	3696 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	ELY 1/2 OF E 10 ACRES OF GOVT LOT 9 SEC 28 ACCORDING TO U S GOVT SURVEY-W 25 FT OF W 10 ACRES OF GOVT LOT 4 SEC 27 BEING BOUNDED ON S-W BY SEC LINES-ON N BY NOOKSACK RIVER AS MEANDERED BY U S GOVT SURVEY-TOG WI ALL ACCRETIONS THEREUNTO BELONGING-LESS
Legal Range	04
Legal Township	39
Legal Section	28
Legal Block	1
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 April 2, 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	3696 E SMITH RD, BELLINGHAM, WA 98226-7542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	May 21, 2021 · Amount on Record
Deed Document Number	20213533
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 21, 2021
Property Address	3696 E SMITH RD, BELLINGHAM, WA 98226-7542
Document Number	0000503533
Instrument Date	May 11, 2021
Instrument	2021-0503533
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,232.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 E SMITH RD, BELLINGHAM, WA 98226-7542

Mortgage

Document Number	0000503534
Date	May 21, 2021
Instrument	2021-0503534

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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	$5,445.00 (+20.68%)	$713,533 (+10.06%) Land $287,758 Building $425,775	$713,533 (+10.06%) Land $287,758 Building $425,775
2022		$648,341 Land $324,175 Building $324,166	$648,341 Land $324,175 Building $324,166
2021	$4,512.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Nearby Properties on E Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures