3810 Toad Lake Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3810 Toad Lake Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,626 sqft · built 2006
Lot Size	4.77 acres (207,781 sqft)
Owner	2 Individual Names on File
Last Sale	$825,955 (Jul 2019)
Tax Bill	$8,596 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`562672`

Property Details

APN / Parcel Number

Primary APN	`562672`
Alternative APNs	`380314 029149 0000` `57578`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,626 sqft Living Area
1st Floor Area	1,313 sqft
2nd Floor Area	1,313 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	207,781 sqft (4.77 acres)
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	702 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	562672
Street Address	3810 TOAD LAKE RD
City	BELLINGHAM
State	WA
Zip	98226-9408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	W 1/2 S 1/2 S 1/2 NW SW-SUBJ TO POWER LI ESMT REC IN VOL 331-D-205-LESS RD
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

3810 Toad Lake Rd is owned and occupied by two individuals who bought it in July 2019.

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	2 Individual Names on File
Mailing Address	3810 TOAD LAKE RD, BELLINGHAM, WA 98226-9408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANNER BK
Jul 8, 2019	Warranty Deed, Transfer · Conventional Mortgage BANNER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2019 · Amount on File
Deed Sale	Jul 8, 2019 · Amount on File
Prior Sale	Jun 25, 2012 · Amount on File
Deed Document Number	2019-0700703
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3810 TOAD LAKE RD, BELLINGHAM, WA 98226-9408
Document Number	2200403081
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3810 TOAD LAKE RD BELLINGHAM WA 982269408, BELLINGHAM, WA 98226-9408

Mortgage

Document Number	2200403081
Date	Apr 27, 2020
Instrument	403081

Lender

Name	BANNER BK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 8, 2019
Property Address	3810 TOAD LAKE RD, BELLINGHAM, WA 98226-9408
Document Number	2190700703
Instrument Date	Jun 26, 2019
Instrument	700703
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,707.80
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3810 TOAD LAKE RD BELLINGHAM WA 982269408, BELLINGHAM, WA 98226-9408

Mortgage

Document Number	2190700704
Date	Jul 8, 2019
Instrument	700704

Lender

Name	BANNER BK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3810 Toad Lake Rd was $8,596.

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	$8,596.00	$957,174 Land $362,502 Building $594,672	$957,174 Land $362,502 Building $594,672
2022		$763,468 Land $289,142 Building $474,326	$763,468 Land $289,142 Building $474,326
2021	$6,859.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3810 Toad Lake Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.

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 File 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

Wildfire risk around 3810 Toad Lake Rd is low, with a 0.01% annual chance of 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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