3752 Toad Lake Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3752 Toad Lake Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,820 sqft · built 1999
Lot Size	4.13 acres (179,903 sqft)
Owner	2 Individual Names on Record
Tax Bill	$12,350 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`380314-035083-0000`

Property Details

APN / Parcel Number

Primary APN	`380314-035083-0000`
Alternative APNs	`188012` `580016`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,820 sqft Living Area
Gross Area	2,290 sqft
1st Floor Area	1,820 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	179,903 sqft (4.13 acres)
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	771 sqft
Deck Area	Deck Area
Storage Building	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	188012
Street Address	3752 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	S 1/2 N 1/2 SW SW-EXC FOLL DESC-COM AT NW COR OF SD S 1/2 N 1/2 SW SW-TH S 88 DEG 5215 E 30 FT TO ELY R/W OF TOAD LK RD-TH S 01 DEG 0054 W ALG SD R/W 127.38 FT TO POB-TH S 88 DEG 5215 E 269.75 FT-TH S 01 DEG 0748 W 102.62 FT-TH N 88 DEG 5215 W 269.54
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 17, 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	2 Individual Names on Record
Mailing Address	3752 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
May 4, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 1, 2021
Transfer Doc	0000000275
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3752 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300293
Date	Mar 2, 2022
Instrument	2022-0300293

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2053

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	May 4, 2021
Property Address	3752 TOAD LAKE RD, BELLINGHAM, WA 98226-8635
Document Number	0000500275
Instrument Date	Apr 1, 2021
Instrument	2021-0500275
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1568 BROOKEDGE CT, BELLINGHAM, WA 98226-8653

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	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,350.00	$1,290,142 (+390.35%) Land $353,211 Building $936,931	$1,290,142 (+390.35%) Land $353,211 Building $936,931
2022		$263,104 Land $263,104	$263,104 Land $263,104

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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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