Whatcom County property record for 3735 E Smith Rd, Bellingham, WA 98226
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,876 sqft · built 1979 |
| Lot Size | 6.32 acres (275,299 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Sep 2025) |
| Tax Bill | $3,166 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 558827 |
| Primary APN | 558827 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,876 sqft Living Area |
| 1st Floor Area | 1,876 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Roof Material | Metal |
| Lot Area | 275,299 sqft (6.32 acres) |
| Deck Area | 360 sqft |
| Storage Building | 1,800 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 494321 |
|---|---|
| Street Address | 3735 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9573 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R5A |
| Legal Description | TR IN NW NW DAF-BEG AT NW SEC COR ON S LI OF SMITH RD-TH ELY 360 FT TO INTERS OF E LI OF W 360 FT OF NW NW-TH SLY ALG E LI OF |
| Legal Range | 04 |
| Legal Township | 39 |
| Legal Section | 34 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10702 |
Source: Whatcom County assessment roll, APN 558827, as of May 31, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3705 E SMITH RD, BELLINGHAM, WA 98226-9573 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Sep 17, 2025 | Warranty Deed, Transfer · Commercial Mortgage DENISE MORIARLY |
| Feb 20, 2019 | Quit Claim Deed, Transfer K HERMENE REINHARD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on Record |
| Deed Sale | Sep 17, 2025 · Amount on Record |
| Prior Sale | Feb 20, 2019 · Amount on Record |
| Deed Document Number | 2025-0901400 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3735 E SMITH RD, BELLINGHAM, WA 98226-9573 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000300791 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 2024-0300791 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 17, 2025 |
| Property Address | 3735 E SMITH RD, BELLINGHAM, WA 98226-9573 |
| Document Number | 0000901400 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 2025-0901400 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,805.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3705 E SMITH RD, BELLINGHAM, WA 98226-9573 |
| Document Number | 0000901401 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 2025-0901401 |
| Name | DENISE MORIARLY |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 17, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Feb 20, 2019 |
| Property Address | 3735 E SMITH RD, BELLINGHAM, WA 98226-9573 |
| Document Number | 2190201499 |
| Instrument Date | Feb 20, 2019 |
| Instrument | 201499 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2019 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3735 E SMITH RD BELLINGHAM WA 982269573, BELLINGHAM, WA 98226-9573 |
| Document Number | 2190201500 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 201500 |
| Name | K HERMENE REINHARD |
|---|---|
| Address | 2049 HARMONY RD, BELLINGHAM, WA 98226-8732 |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | Feb 19, 2026 |
| Rate | 4% |
|---|
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Mount Baker School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,166.00 (+55.88%) | $410,761 (+55.9%) Land $289,785 Building $120,976 | $410,761 (-26.26%) Land $289,785 Building $120,976 |
| 2024 | $2,031.00 (+115.15%) Senior Citizen's exemption | $263,483 (+2.1%) Land $201,665 Building $61,818 | $557,073 (+7%) Land $418,302 Building $138,771 |
| 2022 | $258,054 Land $196,236 Building $61,818 | $520,630 Land $390,937 Building $129,693 | |
| 2021 | $944.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), as of May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730107021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, 11 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| Radiate Holdings Cable | 1,500 / 50 |
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system WA5356500, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOUNT BAKER WATER ASSOCIATION private · serves 500 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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