3826 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3826 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,186 sqft · built 1982
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Mar 2026)
Tax Bill	$5,923 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38800`

Property Details

APN / Parcel Number

Primary APN	`38800`
Alternative APNs	`380315 421145 0000` `59010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,186 sqft Living Area
1st Floor Area	1,056 sqft
2nd Floor Area	1,130 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Deck Area	124 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	38800
Street Address	3826 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 95
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Lot Number	95
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1007
Census Tract	804

Owner

3826 Gala Loop is owned and occupied by an individual who bought it in March 2026.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3826 GALA LOOP, BELLINGHAM, WA 98226-7845
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 5, 2026	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Deed Document Number	2026-0300368
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3826 GALA LOOP, BELLINGHAM, WA 98226-7845
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3826 GALA LOOP, BELLINGHAM, WA 98226-7845

Mortgage

Document Number	0000800371
Date	Aug 6, 2024
Instrument	2024-0800371

Lender

Name	US BANK NA
Type	Bank
Address	BELLEVUE, WA 98004

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 5, 2026
Property Address	3826 GALA LOOP, BELLINGHAM, WA 98226-7845
Document Number	0000300368
Map Reference	MB 14 PG 136&137
Instrument Date	Mar 2, 2026
Instrument	2026-0300368
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,520.00
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	3826 GALA LOOP, BELLINGHAM, WA 98226-7845

Mortgage

Document Number	0000300369
Date	Mar 5, 2026
Instrument	2026-0300369

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 3826 Gala Loop was $5,923.

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	$5,923.00	$659,494 Land $234,944 Building $424,550	$659,494 Land $234,944 Building $424,550
2022		$543,440 Land $193,600 Building $349,840	$543,440 Land $193,600 Building $349,840
2021	$4,668.00

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

Flood

FEMA maps place 3826 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

Wildfire risk around 3826 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.

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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