3886 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3886 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,511 sqft · built 2000
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Company Names on Record
Last Sale	$800,000 (Jan 2024)
Tax Bill	$7,050 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`380315-422256-0000`

Property Details

APN / Parcel Number

Primary APN	`380315-422256-0000`
Alternative APNs	`59012` `92068`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,511 sqft Living Area
Gross Area	3,099 sqft
1st Floor Area	1,256 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	48 sqft
Deck Area	48 sqft
Patio Area	99 sqft
Balcony Area	99 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	59012
Street Address	3886 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 74
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Block	1
Legal Lot Number	74
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1007
Census Tract	804

Owner

Source: Whatcom County records, as of May 22, 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
Mailing Address	1216 38TH ST, BELLINGHAM, WA 98229-4922
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 19, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FED BANK
Jan 16, 2024	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024 · Amount on Record
Deed Sale	Jan 16, 2024 · Amount on Record
Prior Sale	Jan 3, 2001 · Amount on Record
Deed Document Number	2024869
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	May 1, 2026
Property Address	3886 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	0000000069
Instrument Date	Apr 16, 2026
Instrument	202669
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WASHINGTON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269

Mortgage

Document Number	0000000069,
Date	May 1, 2026
Instrument	202669

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3886 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	0001101242
Date	Nov 19, 2024
Instrument	2024-1101242

Lender

Name	FIRST FED BANK
Type	Bank
Address	PORT ANGELES, WA 98362

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 16, 2024
Property Address	3886 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	0000100869
Map Reference	VOL 114 PG 136&137
Instrument Date	Jan 11, 2024
Instrument	2024-0100869
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1216 38TH ST, BELLINGHAM, WA 98229-4922

Mortgage

Document Number	0000100870
Date	Jan 16, 2024
Instrument	2024-0100870

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

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	$7,050.00 (+22.72%)	$791,130 (+21.36%) Land $234,944 Building $556,186	$791,130 (+21.36%) Land $234,944 Building $556,186
2022		$651,912 Land $193,600 Building $458,312	$651,912 Land $193,600 Building $458,312
2021	$5,745.00

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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