Whatcom County property record for 3897 Gala Loop, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,178 sqft · built 1980 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,000 (Apr 2018) |
| Tax Bill | $4,645 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jul 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 550516 |
| Primary APN | 550516 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,178 sqft Living Area |
| 1st Floor Area | 1,178 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.289 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | 192 sqft |
| Patio Area | 120 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 550516 |
|---|---|
| Street Address | 3897 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 53 |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 15 |
| Legal Subdivision | BROWNSVILLE |
| Legal Lot Number | 53 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 804 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 3897 GALA LOOP, BELLINGHAM, WA 98226-9450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE PACIFIC |
| Jul 8, 2024 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC |
| Apr 13, 2018 | Warranty Deed, Transfer · Conventional with PMI UMPQUA BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2018 · Amount on Record |
| Deed Sale | Apr 13, 2018 · Amount on Record |
| Prior Sale | Sep 17, 2009 · Amount on Record |
| Deed Document Number | 2018-0401399 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3897 GALA LOOP, BELLINGHAM, WA 98226-9450 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001103942 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021-1103942 |
| Name | BANK OF THE PACIFIC |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3897 GALA LOOP, BELLINGHAM, WA 98226-9450 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3897 GALA LOOP, BELLINGHAM, WA 98226-9450 |
| Document Number | 0000700430 |
|---|---|
| Date | Jul 8, 2024 |
| Instrument | 2024-0700430 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 13, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3897 GALA LOOP, BELLINGHAM, WA 98226-9450 |
| Document Number | 2200903745 |
| Instrument Date | Sep 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3897 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450 |
| Document Number | 2200903745 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 903745 |
| Name | BANK OF PACIFIC |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 13, 2018 |
| Property Address | 3897 GALA LOOP, BELLINGHAM, WA 98226-9450 |
| Document Number | 2180401399 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 401399 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,146.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3897 GALA LOOP BELLINGHAM WA 982269450, BELLINGHAM, WA 98226-9450 |
| Document Number | 2180401400 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 401400 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | TIGARD, OR 97224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2048 |
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 | $4,645.00 (+27.79%) | $517,223 (+21.36%) Land $234,944 Building $282,279 | $517,223 (+21.36%) Land $234,944 Building $282,279 |
| 2022 | $426,206 Land $193,600 Building $232,606 | $426,206 Land $193,600 Building $232,606 | |
| 2021 | $3,635.00 |
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 · 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.
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.
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 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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