3776 E 16th Pl, Bellingham, WA 98226 Property Records

Whatcom County property record for 3776 E 16th Pl, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,888 sqft · built 1994
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$23,207 (Jul 2001)
Tax Bill	$6,012 (2025)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380315-490115-0000`

Property Details

APN / Parcel Number

Primary APN	`380315-490115-0000`
Alternative APNs	`59098` `44465`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,888 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	672 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	36 sqft
Patio Area	960 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	59098
Street Address	3776 E 16TH PL
City	BELLINGHAM
State	WA
Zip	98226-7873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR3
Legal Description	HILLSDALE LOT 9
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	HILLSDALE
Legal Block	1
Legal Lot Number	9
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1007
Census Tract	804

Owner

Source: Whatcom County records, as of July 27, 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	3776 E 16TH PL, BELLINGHAM, WA 98226-7873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Reverse Mortgage LUMINATE HOME LOANS INC
Jul 20, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2001 · Amount on Record
Deed Sale	Jul 20, 2001 · Amount on Record
Deed Document Number	2001702996
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jul 20, 2026
Property Address	3776 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	0000001582
Instrument Date	Jul 15, 2026
Instrument	20261582
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3776 E 16TH PL, BELLINGHAM, WA 98226-7873

Mortgage

Document Number	0000001582,
Date	Jul 20, 2026
Instrument	20261582

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	934 Months
Due	May 23, 2104

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jul 20, 2026
Property Address	3776 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	0000001583
Instrument Date	Jul 15, 2026
Instrument	20261583
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3776 E 16TH PL, BELLINGHAM, WA 98226-7873

Mortgage

Document Number	0000001583,
Date	Jul 20, 2026
Instrument	20261583

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	934 Months
Due	May 23, 2104

Interest

Rate	6.47%
Max Rate	-1%

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	$6,012.00 (+30.58%)	$672,019 (+21.36%) Land $249,628 Building $422,391	$672,019 (+21.36%) Land $249,628 Building $422,391
2022		$553,761 Land $205,700 Building $348,061	$553,761 Land $205,700 Building $348,061
2021	$4,604.00

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 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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