400 Baker St, Bellingham, WA 98225 Property Records

Whatcom County property record for 400 Baker St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,611 sqft · built 1970
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$222,280 (Jun 2006)
Tax Bill	$3,720 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`380318-196210-0000`

Property Details

APN / Parcel Number

Primary APN	`380318-196210-0000`
Alternative APNs	`112984` `61469`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,611 sqft Living Area
1st Floor Area	1,611 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Deck Area	312 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	61469
Street Address	400 BAKER ST
City	BELLINGHAM
State	WA
Zip	98225-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LIL
Legal Description	THAT PTN OF TR LY SLY OF SLY LI OF NEW STATE HWY 1 DAF-BEG AT W 1/4 COR-TH S 89 DEG 3900 E ALG E-W SEC C/L 1915.4 FT TO TPOB-TH S 00 DEG 3600 W 644.18 FT TO N LI OF BAKER ST-TH S 89 DEG 3500 E ALG N LI OF BAKER ST 120 FT-TH N 00 DEG 3600 E 644.32 FT
Legal Range	03
Legal Township	38
Legal Section	18
Legal Subdivision	PRIMARY STATE HWY 01
Legal Lot Number	33
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3001
Census Tract	401

Owner

Source: Whatcom County records, as of December 30, 2025

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	400 BAKER ST, BELLINGHAM, WA 98225-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Jul 12, 2017	Loan Modification, Mortgage · Conventional Mortgage OCWEN LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2006 · Amount on Record
Deed Sale	Jun 26, 2006 · Amount on Record
Prior Sale	Aug 24, 2005 · Amount on Record
Deed Document Number	2006604471
Prior Transfer Date	Aug 2, 2005
Prior Transfer Doc	0000805117
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	400 BAKER ST, BELLINGHAM, WA 98225-1708
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000802726
Date	Aug 18, 2021
Instrument	2021-0802726

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	400 BAKER ST, BELLINGHAM, WA 98225-1708
Document Number	2170902830
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 BAKER ST BELLINGHAM WA 982251708, BELLINGHAM, WA 98225-1708

Mortgage

Document Number	2170902830
Date	Sep 27, 2017
Instrument	902830

Lender

Name	OCWEN LN SERVICING
Type	Funding / Finance Company
Address	WEST PALM BEACH, FL 33407

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Sep 26, 2057

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,720.00 (+42.42%)	$479,103 (+15.75%) Land $264,713 Building $214,390	$479,103 (+15.75%) Land $264,713 Building $214,390
2022		$413,905 Land $228,690 Building $185,215	$413,905 Land $228,690 Building $185,215
2021	$2,612.00

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 · 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 11 policies
Nearby Flood Policies	11 in force

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

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	None beyond ember reach

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	CITY OF BELLINGHAM-WATER DIVISION serves 141,127 people · EPA ID WA5305600
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	3 ppb (2021–2023) 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. 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, CenturyLink, Verizon.

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