Whatcom County property record for 3822 Gala Loop, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,666 sqft · built 1981 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $615,910 (Sep 2026) |
| Tax Bill | $5,583 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 380315-413145-0000 |
| Primary APN | 380315-413145-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,666 sqft Living Area |
| Gross Area | 2,172 sqft |
| 1st Floor Area | 286 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Level |
| Exterior Material | Siding Sheathing |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 102 sqft |
| Patio Area | 315 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 58992 |
|---|---|
| Street Address | 3822 GALA LOOP |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-7845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR3 |
| Legal Description | BROWNSVILLE LOT 96 |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 15 |
| Legal Subdivision | BROWNSVILLE |
| Legal Block | 1 |
| Legal Lot Number | 96 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 804 |
3822 Gala Loop is owned and occupied by two individuals who bought it in September 2026.
Source: Whatcom County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3822 GALA LOOP, BELLINGHAM, WA 98226-7845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CREDIT UNION |
| Feb 22, 2021 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2026 · Amount on File |
| Deed Sale | Sep 25, 2026 · Amount on File |
| Deed Document Number | 20262041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 25, 2026 |
| Property Address | 3822 GALA LOOP, BELLINGHAM, WA 98226-7845 |
| Document Number | 0000002041 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 2026092041 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,107,788.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000002042, |
|---|---|
| Date | Sep 25, 2026 |
| Instrument | 2026092042 |
| Name | WHATCOM EDUCATIONAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3822 GALA LOOP, BELLINGHAM, WA 98226-7845 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|
| Document Number | 0000203839 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 2021-0203839 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 3822 Gala Loop was $5,583, up 6.5% from the year before.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,583.00 (+6.48%) | ||
| 2025 | $5,243.00 | $583,811 Land $234,944 Building $348,867 | $583,811 Land $234,944 Building $348,867 |
| 2022 | $481,075 Land $193,600 Building $287,475 | $481,075 Land $193,600 Building $287,475 | |
| 2021 | $4,114.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3822 Gala Loop 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 risk around 3822 Gala Loop 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.
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 |
| 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.
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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