3864 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3864 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,914 sqft · built 1981
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Dec 2017)
Tax Bill	$5,655 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`547793`

Property Details

APN / Parcel Number

Primary APN	`547793`
Alternative APNs	`380315 458217 0000` `59075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,914 sqft Living Area
1st Floor Area	576 sqft
2nd Floor Area	1,338 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Built-in
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	166 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	547793
Street Address	3864 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 81
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Lot Number	81
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	2 Individual Names on Record
Mailing Address	3864 GALA LOOP, BELLINGHAM, WA 98226-7857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Oct 31, 2019	Deed of Trust, Mortgage · VA Mortgage GUILD MTG
Dec 13, 2017	Warranty Deed, Transfer · VA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2017 · Amount on Record
Deed Sale	Dec 13, 2017 · Amount on Record
Prior Sale	Oct 29, 1999 · Amount on Record
Deed Document Number	2017-1201436
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3864 GALA LOOP, BELLINGHAM, WA 98226-7857
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000903606
Date	Sep 23, 2021
Instrument	2021-0903606

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3864 GALA LOOP, BELLINGHAM, WA 98226-7857
Document Number	2191100740
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3864 GALA LOOP BELLINGHAM WA 982267857, BELLINGHAM, WA 98226-7857

Mortgage

Document Number	2191100740
Date	Nov 6, 2019
Instrument	1100740

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 13, 2017
Property Address	3864 GALA LOOP, BELLINGHAM, WA 98226-7857
Document Number	2171201436
Instrument Date	Dec 11, 2017
Instrument	1201436
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,947.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3864 GALA LOOP BELLINGHAM WA 982267857, BELLINGHAM, WA 98226-7857

Mortgage

Document Number	2171201437
Date	Dec 13, 2017
Instrument	1201437

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2047

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	$5,655.00 (+34%)	$629,648 (+21.36%) Land $234,944 Building $394,704	$629,648 (+21.36%) Land $234,944 Building $394,704
2022		$518,847 Land $193,600 Building $325,247	$518,847 Land $193,600 Building $325,247
2021	$4,220.00

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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