Whatcom County property record for 3886 Toad Lake Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1971 |
| Lot Size | 9.21 acres (401,188 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,722 (2025) |
| Deeds & Mortgages | Feb 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3803140122420000 |
| Primary APN | 3803140122420000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Metal |
| Lot Area | 401,188 sqft (9.21 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 258 sqft |
| Storage Building | 720 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 33911 |
|---|---|
| Old Parcel Number | 3803140122420000 |
| Street Address | 3886 TOAD LAKE RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | N 1/2 N 1/2 NW SW-LESS RD-EXC DEDICATED UNCONSTRUCTED CO RD R/W 225(FELDMAN RD) |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 14 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 101 |
Source: Whatcom County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3886 TOAD LAKE RD, BELLINGHAM, WA 98226-9408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3886 TOAD LAKE RD, BELLINGHAM, WA 98226-9408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN |
| Name | Verified Name |
|---|---|
| Address | 3886 TOAD LAKE RD, BELLINGHAM, WA 98226-9408 |
| Document Number | 0000202370 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 2022-0202370 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 884 Months |
| Due | Oct 3, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.31% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,722.00 (-7.18%) | $414,456 (-5.52%) Land $194,359 Building $220,097 | $414,456 (-5.52%) Land $194,359 Building $220,097 |
| 2022 | $438,659 Land $263,104 Building $175,555 | $438,659 Land $263,104 Building $175,555 | |
| 2021 | $4,010.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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