3880 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3880 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,324 sqft · built 1992
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Company Names on Record
Last Sale	$340,280 (Nov 2013)
Tax Bill	$6,700 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Jan 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`507949`

Property Details

APN / Parcel Number

Primary APN	`507949`
Alternative APNs	`380315 442256 0000` `59042`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,324 sqft Living Area
1st Floor Area	1,060 sqft
2nd Floor Area	1,264 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1992
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Built-in
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	12 sqft
Deck Area	576 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	507949
Street Address	3880 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 76
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Lot Number	76
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 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	3880 GALA LOOP, BELLINGHAM, WA 98226-9450
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU
Jan 14, 2025	Intrafamily Transfer, Transfer
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK
Sep 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 15, 2013 · Amount on Record
Deed Sale	Nov 15, 2013 · Amount on Record
Prior Sale	Nov 15, 2013 · Amount on Record
Deed Document Number	2131101423
Last Transfer Date	Jan 14, 2025
Transfer Doc	0000100816
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3880 GALA LOOP, BELLINGHAM, WA 98226-9450
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000600475
Date	Jun 7, 2023
Instrument	2023-0600475

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

January 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jan 14, 2025
Property Address	3880 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	0000100816
Map Reference	VOL 14 PG 136&137
Instrument Date	Sep 18, 2024
Instrument	2025-0100816
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3880 GALA LOOP, BELLINGHAM, WA 98226-9450

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3880 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	2200500213
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3880 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450

Mortgage

Document Number	2200500213
Date	May 4, 2020
Instrument	500213

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3880 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	2180902215
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3880 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450

Mortgage

Document Number	2180902215
Date	Sep 24, 2018
Instrument	902215

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 23, 2033

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	$6,700.00 (+23.32%)	$745,990 (+21.36%) Land $264,312 Building $481,678	$745,990 (+21.36%) Land $264,312 Building $481,678
2022		$614,715 Land $217,800 Building $396,915	$614,715 Land $217,800 Building $396,915
2021	$5,433.00

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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