3881 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3881 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,982 sqft · built 1985
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (May 2026)
Tax Bill	$5,034 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`380315-424236-0000`

Property Details

APN / Parcel Number

Primary APN	`380315-424236-0000`
Alternative APNs	`59019` `42199`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,982 sqft Living Area
Gross Area	2,478 sqft
1st Floor Area	1,206 sqft
Basement Area	1,272 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Combination
Roof Material	Metal
Lot Area	13,504 sqft (0.31 acres)

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	360 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	59019
Street Address	3881 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 56-EXC PTN DAF-BEG AT SELY COR OF LOT 56-TH N 36 DEG 4003 W 3 FT TO AN EXISTING FENCE COR-TH N 54 DEG 4908 E ALG AN EXISTING FENCE 18.03 FT TO INTERS COMM LI TO LOTS 56-57-TH S 45 DEG 2241 W ALG SD LI 18.20 FT TO POB-THAT PTN OF LOT 5
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Block	1
Legal Lot Number	56
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1008
Census Tract	804

Owner

3881 Gala Loop is owned by an individual who bought it in May 2026.

Source: Whatcom County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	3822 GALA LOOP, BELLINGHAM, WA 98226-7845
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CREDIT UNION
Aug 3, 2026	Re-recorded Document FIRST AMERICAN TITLE
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAN AIRLINES FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Deed Document Number	20262309
Prior Transfer Date	Jan 10, 2004
Prior Transfer Doc	0000103588
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 28, 2026
Property Address	3881 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	0000002309
Instrument Date	May 28, 2026
Instrument	20262309
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316,333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002311,
Date	May 28, 2026
Instrument	2026052311

Lender

Name	WHATCOM EDUCATIONAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	WHATCOM WA
Recording Date	Aug 3, 2026
Property Address	3881 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	0000000076
Instrument Date	May 28, 2026
Instrument	202676
Record Updated	Aug 31, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,010.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jun 22, 2026
Property Address	3881 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	0000001877
Instrument Date	Sep 28, 2025
Instrument	20261877
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001877,
Date	Jun 22, 2026
Instrument	20261877

Lender

Name	AMERICAN AIRLINES FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.56%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3881 Gala Loop was $5,034.

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	$5,034.00	$559,835 Land $234,944 Building $324,891	$559,835 Land $234,944 Building $324,891
2022		$461,319 Land $193,600 Building $267,719	$461,319 Land $193,600 Building $267,719
2021	$4,094.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3881 Gala Loop in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.

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 File 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

Wildfire risk around 3881 Gala Loop is low, with a 0.01% annual chance of 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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