371 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 371 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1950
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individuals on Record
Last Sale	$485,000 (May 2021)
Tax Bill	$3,842 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390331-354521-0000`

Property Details

APN / Parcel Number

Primary APN	`390331-354521-0000`
Alternative APNs	`105099` `580397` `545956`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
Gross Area	956 sqft
1st Floor Area	816 sqft
Basement Area	140 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2008
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	105099
Street Address	371 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	W 82 FT OF N 166 FT OF E 1/2 E 1/2 NW NE-LESS RD-SUBJ TO BNDRY LI AGRMT REC AF 2100201342
Legal Range	03
Legal Township	39
Legal Section	31
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2006
Census Tract	101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	371 E SMITH RD, BELLINGHAM, WA 98226-9763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE PACIFIC
Feb 18, 2020	Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK
Oct 13, 2017	Warranty Deed, Transfer UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Prior Sale	May 17, 2021 · Amount on Record
Deed Document Number	20212643
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 17, 2021
Property Address	371 E SMITH RD, BELLINGHAM, WA 98226-9763
Document Number	0000502643
Instrument Date	May 3, 2021
Instrument	2021-0502643
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,765.00
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	371 E SMITH RD, BELLINGHAM, WA 98226-9763

Mortgage

Document Number	0000502644
Date	May 17, 2021
Instrument	2021-0502644

Lender

Name	BANK OF THE PACIFIC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	371 E SMITH RD, BELLINGHAM, WA 98226-9763
Document Number	2200202748
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	371 E SMITH RD BELLINGHAM WA 982269763, BELLINGHAM, WA 98226-9763

Mortgage

Document Number	2200202748
Date	Feb 26, 2020
Instrument	202748

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 13, 2017
Property Address	371 E SMITH RD, BELLINGHAM, WA 98226-9763
Document Number	2171001562
Instrument Date	Oct 6, 2017
Instrument	1001562
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,523.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1835 BARKLEY BLVD #105 BELLINGHAM WA 982263200, 105, BELLINGHAM, WA 98226-3200

Mortgage

Document Number	2171001563
Date	Oct 13, 2017
Instrument	1001563

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTIAKE TERRACE, WA 98043

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2047

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	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,842.00 (+67.41%)	$431,900 (+50.8%) Land $257,050 Building $174,850	$431,900 (+50.8%) Land $257,050 Building $174,850
2022		$286,407 Land $148,456 Building $137,951	$286,407 Land $148,456 Building $137,951
2021	$2,295.00

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

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 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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