3714 Toad Lake Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3714 Toad Lake Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1938
Lot Size	4.59 acres (200,376 sqft)
Owner	Owner Name on Record
Last Sale	$295,280 (Jan 2013)
Tax Bill	$5,939 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`534955`

Property Details

APN / Parcel Number

Primary APN	`534955`
Alternative APNs	`380314 040015 0000` `57592`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Architectural Style	Other
Exterior Material	Combination
Roof Material	Tile
Lot Area	200,376 sqft (4.59 acres)
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	462 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	534955
Street Address	3714 TOAD LAKE RD
City	BELLINGHAM
State	WA
Zip	98226-8635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	TR IN SW SW DAF-BEG AT SW COR OF SW SW-TH N ALG W SEC LI 264 FT-TH N 70 DEG 34'00\ E 525.4 FT-TH S PAR WI W SEC LI 229 FT-TH
Legal Range	03
Legal Township	38
Legal Section	14
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1009
Census Tract	804

Owner

Source: Whatcom County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Owner Name on Record
Mailing Address	3714 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 13, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 3, 2019	Deed of Trust, Mortgage · Line of Credit UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2013 · Amount on Record
Deed Sale	Jan 25, 2013 · Amount on Record
Prior Sale	Jan 18, 2013
Deed Document Number	2130103245
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3714 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000304124
Date	Mar 22, 2021
Instrument	2021-0304124

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

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

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3714 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000900340
Date	Sep 6, 2022
Instrument	2022-0900340

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3714 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000502154
Date	May 13, 2021
Instrument	2021-0502154

Lender

Name	UMPQUA BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3714 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Document Number	2190600190
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 13, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3714 TOAD LAKE RD BELLINGHAM WA 982268635, BELLINGHAM, WA 98226-8635

Mortgage

Document Number	2190600190
Date	Jun 4, 2019
Instrument	600190

Lender

Name	UMPQUA BK
Type	Bank
Address	BLAINE, WA 98230

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,939.00 (+26.07%)	$661,274 (+25.37%) Land $377,248 Building $284,026	$661,274 (+25.37%) Land $377,248 Building $284,026
2022		$527,450 Land $300,903 Building $226,547	$527,450 Land $300,903 Building $226,547
2021	$4,711.00

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
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	3 (1984–2016)
Most Recent Claim	Oct 2016 · other causes

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	0.01% 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	WHATCOM COUNTY WATER DIST #7 serves 1,410 people · EPA ID WA5395900
Water Source	Purchased surface water from CITY OF BELLINGHAM-WATER DIVISION
Last State Inspection	Jun 2024

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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