3778 E 16th Pl, Bellingham, WA 98226 Property Records

Whatcom County property record for 3778 E 16th Pl, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,887 sqft · built 1994
Lot Size	0.286 acres (12,489 sqft)
Owner	Individual Name on Record
Last Sale	$654,000 (Aug 2022)
Tax Bill	$5,937 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`594522`

Property Details

APN / Parcel Number

Primary APN	`594522`
Alternative APNs	`380315 490125 0000` `59099` `49655`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,887 sqft Living Area
1st Floor Area	672 sqft
2nd Floor Area	1,215 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,489 sqft (0.286 acres)
Garage Type	Built-in
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	179 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	49655
Street Address	3778 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 8
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	HILLSDALE
Legal Lot Number	8
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1007
Census Tract	804

Owner

Source: Whatcom County records, as of March 16, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3778 E 16TH PL, BELLINGHAM, WA 98226-7873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Warranty Deed, Transfer · Conventional Mortgage LEADERONE FINANCIAL CORPORATION
Dec 27, 2019	Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AUTH
Dec 30, 2019	Quit Claim Deed, Transfer CHICAGO TITLE BELLINGHAM
Dec 30, 2019	Warranty Deed, Transfer · Conventional with PMI UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Dec 30, 2019
Deed Document Number	2022-0803082
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 31, 2022
Property Address	3778 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	0000803082
Map Reference	AF 931112158
Instrument Date	Aug 25, 2022
Instrument	2022-0803082
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,746.20
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	3778 E 16TH PL, BELLINGHAM, WA 98226-7873

Mortgage

Document Number	0000803083
Date	Aug 31, 2022
Instrument	2022-0803083

Lender

Name	LEADERONE FINANCIAL CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3778 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	2200200320
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3778 E 16TH PL BELLINGHAM WA 982267873, BELLINGHAM, WA 98226-7873

Mortgage

Document Number	2200200320
Date	Feb 4, 2020
Instrument	200320

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3778 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	2200200321
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3778 E 16TH PL BELLINGHAM WA 982267873, BELLINGHAM, WA 98226-7873

Mortgage

Document Number	2200200321
Date	Feb 4, 2020
Instrument	200321

Lender

Name	HOUSING FIN AUTH
Address	1000 2ND AVE # 2700, SEATTLE, WA 98104-3601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 30, 2019
Property Address	3778 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	2191203606
Instrument Date	Dec 26, 2019
Instrument	1203606
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3778 E 16TH PL BELLINGHAM WA 982267873, BELLINGHAM, WA 98226-7873

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 30, 2019
Property Address	3778 E 16TH PL, BELLINGHAM, WA 98226-7873
Document Number	2191203605
Instrument Date	Dec 23, 2019
Instrument	1203605
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,371.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3778 E 16TH PL BELLINGHAM WA 982267873, BELLINGHAM, WA 98226-7873

Mortgage

Document Number	2191203607
Date	Dec 30, 2019
Instrument	1203607

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

Mortgage

Document Number	2191203608,
Date	Dec 30, 2019
Instrument	1203608

Lender

Name	HOUSING FIN AUTH
Address	1000 2ND AVE # 2700, SEATTLE, WA 98104-3601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

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	$5,937.00 (+30.37%)	$661,028 (+21.36%) Land $249,628 Building $411,400	$661,028 (+21.36%) Land $249,628 Building $411,400
2022		$544,704 Land $205,700 Building $339,004	$544,704 Land $205,700 Building $339,004
2021	$4,554.00

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.

Nearby Properties on E 16th Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures