Whatcom County property record for 4 River Ridge Loop, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1991 |
| Owner | 2 Owner Names on Record |
| Last Sale | $179,280 (Jun 2012) |
| Tax Bill | $3,545 (2025) |
| Deeds & Mortgages | Aug 2022 Second Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3703013822420000 |
| Primary APN | 3703013822420000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 206 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 496387 |
|---|---|
| Old Parcel Number | 3703013822420000 |
| Street Address | 4 RIVER RIDGE LOOP |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SUDDEN VALLEY DIV 29 LOTS 48-49-SUBJ TO IRREVOCABLE COVENANT TO BIND PROPERTIES AF 2020503016-LOT 49 SUBJ TO 25 YEAR SEWER RE |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 01 |
| Legal Subdivision | SUDDEN VALLEY DIV 29 |
| Legal Lot Number | 48 49 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 809 |
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 | 4 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Aug 8, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU |
| Feb 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2012 · Amount on Record |
| Deed Sale | Jun 20, 2012 · Amount on Record |
| Prior Sale | May 15, 2007 · Amount on Record |
| Deed Document Number | 2120602274 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000800660 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 2022-0800660 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000202294 |
|---|---|
| Date | Feb 12, 2021 |
| Instrument | 2021-0202294 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
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 | $3,545.00 (+35.31%) | $396,379 (+17.02%) Land $171,180 Building $225,199 | $396,379 (+17.02%) Land $171,180 Building $225,199 |
| 2022 | $338,722 Land $146,280 Building $192,442 | $338,722 Land $146,280 Building $192,442 | |
| 2021 | $2,620.00 |
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 | 0.01% 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 | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people · EPA ID WA5395910 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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