395 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 395 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,304 sqft · built 2006
Lot Size	12.8 acres (559,310 sqft)
Owner	2 Owner Names on Record
Last Sale	$820,280 (Aug 2011)
Tax Bill	$14,881 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`490277`

Property Details

APN / Parcel Number

Primary APN	`490277`
Alternative APNs	`390319 380196 0000` `103314`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,304 sqft Living Area
1st Floor Area	3,568 sqft
2nd Floor Area	1,736 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	559,310 sqft (12.8 acres)
Garage Type	Mixed
Garage Area	3,040 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	28 sqft
Patio Area	1,384 sqft
Balcony	Balcony
Balcony Area	736 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	490277
Street Address	395 E LAUREL RD
City	BELLINGHAM
State	WA
Zip	98226-9773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	BEG NE COR OF NW SE-TH S 80 RODS-TH W 10 RODS-TH N 80 RODS-TH E 10 RODS TO POB-THAT PTN BEAP 332 FT W OF NE COR OF W 1/2 NE S
Legal Range	03
Legal Township	39
Legal Section	19
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
Census Tract	10701

Owner

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 Owner Names on Record
Mailing Address	395 E LAUREL RD, BELLINGHAM, WA 98226-9773
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2011 · Amount on Record
Deed Sale	Aug 15, 2011 · Amount on Record
Prior Sale	Dec 14, 2004 · Amount on Record
Deed Document Number	2110801518
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	395 E LAUREL RD, BELLINGHAM, WA 98226-9773
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000605281
Date	Jun 30, 2021
Instrument	2021-0605281

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Apr 1, 2036

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	395 E LAUREL RD, BELLINGHAM, WA 98226-9773
Document Number	2171002267
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	395 E LAUREL RD BELLINGHAM WA 982269773, BELLINGHAM, WA 98226-9773

Mortgage

Document Number	2171002267
Date	Oct 20, 2017
Instrument	1002267

Lender

Name	PEOPLES BK
Type	Bank
Address	EVERSON, WA 98247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,881.00 (+18.96%)	$1,697,913 (+4.48%) Land $480,963 Building $1,216,950	$1,697,913 (+4.48%) Land $480,963 Building $1,216,950
2022		$1,625,082 Land $437,666 Building $1,187,416	$1,625,082 Land $437,666 Building $1,187,416
2021	$12,509.00

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Washington
Wildfire Likelihood	Under 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	DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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