3856 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3856 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,112 sqft · built 1990
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Oct 2025)
Tax Bill	$6,254 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`574991`

Property Details

APN / Parcel Number

Primary APN	`574991`
Alternative APNs	`380315 458207 0000` `521774` `59073`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	773 sqft
2nd Floor Area	1,322 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Built-in
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	270 sqft
Patio Area	110 sqft
Balcony	Balcony
Balcony Area	150 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	521774
Street Address	3856 GALA LOOP
City	BELLINGHAM
State	WA
Zip	98226-7857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR3
Legal Description	BROWNSVILLE LOT 83
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Lot Number	83
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	3856 GALA LOOP, BELLINGHAM, WA 98226-7857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU
Oct 24, 2025	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE
Oct 30, 2020	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Document Number	2025-1001907
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3856 GALA LOOP, BELLINGHAM, WA 98226-7857
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000600185
Date	Jun 2, 2022
Instrument	2022-0600185

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 24, 2025
Property Address	3856 GALA LOOP, BELLINGHAM, WA 98226-7857
Document Number	0001001907
Map Reference	VOL 14 PG 136&137
Instrument Date	Oct 24, 2025
Instrument	2025-1001907
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	WHATCOM LAND TITLE, WHATCOM LAND TITLE NEW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,410.00
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	3856 GALA LOOP, BELLINGHAM, WA 98226-7857

Mortgage

Document Number	0001001908
Date	Oct 24, 2025
Instrument	2025-1001908

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 30, 2020
Property Address	3856 GALA LOOP, BELLINGHAM, WA 98226-7857
Document Number	2201005793
Instrument Date	Oct 17, 2020
Instrument	1005793
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,699.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3856 GALA LOOP BELLINGHAM WA 982267857, BELLINGHAM, WA 98226-7857

Mortgage

Document Number	2201005794
Date	Oct 30, 2020
Instrument	1005794

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

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	$6,254.00 (-1.34%)	$696,387 (-1.34%) Land $234,944 Building $461,443	$696,387 (-1.34%) Land $234,944 Building $461,443
2024	$6,339.00 (+33.2%)	$705,825 (+23%) Land $238,128 Building $467,697	$705,825 (+23%) Land $238,128 Building $467,697
2022		$573,841 Land $193,600 Building $380,241	$573,841 Land $193,600 Building $380,241
2021	$4,759.00

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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