3878 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3878 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,908 sqft · built 2005
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Feb 2016)
Tax Bill	$6,171 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380315-458256-0000`

Property Details

APN / Parcel Number

Primary APN	`380315-458256-0000`
Alternative APNs	`576784` `59079`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,908 sqft Living Area
Gross Area	2,394 sqft
1st Floor Area	1,116 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Multi-Level
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Porch Area	120 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	59079
Street Address	3878 GALA LOOP
City	BELLINGHAM
State	WA
Zip	98226-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR3
Legal Description	BROWNSVILLE-LOT 77-EXC PTN DAF-BEG AT SW COR OF LOT 77-TH N 57 DEG 1246 E ALG LI COMM TO LOTS 77-78 262.56 FT TO ELY COR COMM TO LOTS 77-78-TH S 63 DEG 0135 W 138.22 FT-TH S 50 DEG 4930 W 125.84 FT TO POB
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Block	1
Legal Lot Number	77
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1007
Census Tract	804

Owner

Source: Whatcom County records, as of January 20, 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	3878 GALA LOOP, BELLINGHAM, WA 98226-9450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2016 · Amount on Record
Deed Sale	Feb 26, 2016 · Amount on Record
Prior Sale	Sep 24, 2009 · Amount on Record
Deed Document Number	2016202567
Last Transfer Date	Nov 12, 2020
Transfer Doc	0000100693
Record Updated	Jun 8, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 6, 2021
Property Address	3878 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	2210100693
Instrument Date	Nov 12, 2020
Instrument	100693
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3878 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450

Mortgage

Document Number	2210100694
Date	Jan 6, 2021
Instrument	100694

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2051

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$6,171.00 (+26.09%)	$687,593 (+21.36%) Land $278,996 Building $408,597	$687,593 (+21.36%) Land $278,996 Building $408,597
2022		$566,595 Land $229,900 Building $336,695	$566,595 Land $229,900 Building $336,695
2021	$4,894.00

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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