386 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 386 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,619 sqft · built 1958
Lot Size	4.94 acres (215,186 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Sep 2015)
Tax Bill	$6,498 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`523870`

Property Details

APN / Parcel Number

Primary APN	`523870`
Alternative APNs	`390319 368327 0000` `103311`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,619 sqft Living Area
1st Floor Area	1,619 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	215,186 sqft (4.94 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	42 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	523870
Street Address	386 E LAUREL RD
City	BELLINGHAM
State	WA
Zip	98226-9773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	E 10 RODS OF SW NE-SUBJ TO ESMT FOR DITCH REC AF 727388-LESS RD
Legal Range	03
Legal Township	39
Legal Section	19
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2007
Census Tract	10701

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	386 E LAUREL RD, BELLINGHAM, WA 98226-9773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2015 · Amount on Record
Deed Sale	Sep 4, 2015 · Amount on Record
Prior Sale	Oct 3, 2008
Deed Document Number	2150900470
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	386 E LAUREL RD, BELLINGHAM, WA 98226-9773
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300612
Date	Mar 3, 2021
Instrument	2021-0300612

Lender

Name	PEOPLES BANK
Type	Bank
Address	EVERSON, WA 98247

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	386 E LAUREL RD, BELLINGHAM, WA 98226-9773
Document Number	2200701475
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	386 E LAUREL RD BELLINGHAM WA 982269773, BELLINGHAM, WA 98226-9773

Mortgage

Document Number	2200701475
Date	Jul 10, 2020
Instrument	701475

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	386 E LAUREL RD, BELLINGHAM, WA 98226-9773
Document Number	2191101038
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	386 E LAUREL RD BELLINGHAM WA 982269773, BELLINGHAM, WA 98226-9773

Mortgage

Document Number	2191101038
Date	Nov 8, 2019
Instrument	1101038

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 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	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,498.00 (+20.16%)	$741,484 (+5.94%) Land $398,347 Building $343,137	$741,484 (+5.94%) Land $398,347 Building $343,137
2022		$699,902 Land $321,383 Building $378,519	$699,902 Land $321,383 Building $378,519
2021	$5,408.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 93% of the US · lower than 95% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Xfinity.

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