1. Home
  2. Washington
  3. Whatcom County
  4. Bellingham
  5. Toad Lake Rd

3860 Toad Lake Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 3860 Toad Lake Rd, Bellingham, WA 98226

Property Summary

Property TypeMobile Home
Details2 bd · 2 ba · 784 sqft · built 1974
Lot Size9.8 acres (426,888 sqft)
OwnerIndividual Name on Record
Tax Bill$2,358 (2025)
Deeds & MortgagesSep 2026 Construction Loan
Aug 2023 Transfer
Flood ZoneZone X (minimal risk)
APN3803140662320000

Property Details

APN / Parcel Number

Primary APN3803140662320000
Alternative APNs
  • 380314 067214 0000
  • 614770
  • 57602
  • 29299

Interior

Bedrooms2 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Building Area784 sqft Living Area
1st Floor Area784 sqft
Interior WallsFinished/Painted
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Architectural StyleMobile Home
Exterior MaterialMetal
Roof MaterialMetal
Lot Area426,888 sqft (9.8 acres)
PorchPorch
Porch Area24 sqft
Deck Area64 sqft

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number614770
Old Parcel Number3803140662320000
Street Address3860 TOAD LAKE RD
CityBELLINGHAM
StateWA
Zip98226-9408
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeR5A
Legal DescriptionS 1/2 N 1/2 NW SW-LESS RD 74 HILLCREST S#313558 56X14
Legal Range03
Legal Township38
Legal Section14
Legal SubdivisionHILLCREST
JurisdictionWHATCOM WA
Township / Civil DivisionBELLINGHAM
Census Block Group1
Census Block1009
Census Tract804

Owner

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 RecordIndividual Name on Record
Mailing Address6543 W 18TH AVE, FERNDALE, WA 98248-9389
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2026Deed of Trust, Mortgage · Construction Mortgage
FIRST FEDERAL BANK
Aug 10, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Prior SaleAug 10, 2023
Last Transfer DateFeb 3, 2025
Transfer Doc0000200030
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Recording DateSep 4, 2026
Property Address3860 TOAD LAKE RD, BELLINGHAM, WA 98226-9408
Document Number0000000419
Instrument DateSep 3, 2026
Instrument2026419
Transaction TypeMortgage
Record UpdatedSep 14, 2026
Title CompanyWHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner, 167
Address3860 TOAD LAKE RD, BELLINGHAM, WA 98226-9408

Mortgage

Document Number0000000419,
DateSep 4, 2026
Instrument2026419
Lender
NameFIRST FEDERAL BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term372 Months
DueSep 1, 2057
Interest
Rate TypeAdjustable Rate
Rate7.63%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

August 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWHATCOM WA
Recording DateAug 10, 2023
Property Address3860 TOAD LAKE RD, BELLINGHAM, WA 98226-9408
Document Number0000800771
Instrument DateAug 10, 2023
Instrument2023-0800771
Transaction TypeTransfer
Record UpdatedAug 21, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictBellingham School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,358.00 (+44.13%)$262,590 (+26.36%) Land $262,590$262,590 (+26.36%) Land $262,590
2022$207,807 Land $207,807$207,807 Land $207,807
2021$1,636.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims3 (1984–2016)
Most Recent ClaimOct 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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemWHATCOM COUNTY WATER DIST #7
serves 1,410 people · EPA ID WA5395900
Water SourcePurchased surface water from CITY OF BELLINGHAM-WATER DIVISION
Last State InspectionJun 2024

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

Nearby Properties on Toad Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures