3893 Gala Loop, Bellingham, WA 98226 Property Records

Whatcom County property record for 3893 Gala Loop, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,114 sqft · built 1984
Lot Size	0.23 acres (10,019 sqft)
Owner	Owner Name on File
Last Sale	$314,780 (Mar 2013)
Tax Bill	$5,857 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`502472`

Property Details

APN / Parcel Number

Primary APN	`502472`
Alternative APNs	`380315 408236 0000` `58985`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,114 sqft Living Area
1st Floor Area	2,114 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	40 sqft
Deck Area	408 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	502472
Street Address	3893 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 54
Legal Range	03
Legal Township	38
Legal Section	15
Legal Subdivision	BROWNSVILLE
Legal Lot Number	54
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1008
Census Tract	804

Owner

The current owner of 3893 Gala Loop bought it in March 2013.

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	Owner Name on File
Mailing Address	3893 GALA LOOP, BELLINGHAM, WA 98226-9450
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC
Mar 8, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2013 · Amount on File
Deed Sale	Mar 28, 2013 · Amount on File
Prior Sale	Mar 28, 2013 · Amount on File
Deed Document Number	2130303948
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3893 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	2200803137
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3893 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450

Mortgage

Document Number	2200803137
Date	Aug 19, 2020
Instrument	803137

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 18, 2035

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3893 GALA LOOP, BELLINGHAM, WA 98226-9450
Document Number	2170302418
Instrument Date	Mar 8, 2017
Transaction Type	Mortgage
Record Updated	Apr 13, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3893 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450

Mortgage

Document Number	2170302418
Date	Mar 23, 2017
Instrument	302418

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3893 Gala Loop was $5,857.

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	$5,857.00	$652,169 Land $234,944 Building $417,225	$652,169 Land $234,944 Building $417,225
2022		$537,405 Land $193,600 Building $343,805	$537,405 Land $193,600 Building $343,805
2021	$4,707.00

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

Flood

FEMA maps place 3893 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 3893 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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