405 E Sunset Dr, Bellingham, WA 98225 Property Records

Whatcom County property record for 405 E Sunset Dr, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,138 sqft · built 1940
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2018)
Tax Bill	$4,775 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550131`

Property Details

APN / Parcel Number

Primary APN	`550131`
Alternative APNs	`380319 420380 0000` `63474`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,138 sqft Living Area
1st Floor Area	1,138 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Detached
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	96 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	550131
Street Address	405 E SUNSET DR
City	BELLINGHAM
State	WA
Zip	98225-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS10.0
Legal Description	SQUALICUM PARK LOT 5 BLK 3-EXC N 170 FT THEREOF
Legal Range	03
Legal Township	38
Legal Section	19
Legal Subdivision	SQUALICUM PARK
Legal Block	3
Legal Lot Number	5
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3007
Census Tract	401

Owner

Source: Whatcom County assessment roll, as of May 31, 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 File
Mailing Address	4262 CRESTON WAY, BELLINGHAM, WA 98226-4262
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Mar 30, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2018 · Amount on Record
Deed Sale	Mar 30, 2018 · Amount on Record
Prior Sale	May 11, 2001
Deed Document Number	2018-0303213
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	405 E SUNSET DR, BELLINGHAM, WA 98225-1923
Document Number	2210101614
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	SPRUCE LAND SERVICES LLC, SPRUCE LAND SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	405 E SUNSET DR BELLINGHAM WA 982251923, BELLINGHAM, WA 98225-1923

Mortgage

Document Number	2210101614
Date	Jan 12, 2021
Instrument	101614

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 30, 2018
Property Address	405 E SUNSET DR, BELLINGHAM, WA 98225-1923
Document Number	2180303213
Instrument Date	Mar 23, 2018
Instrument	303213
Transaction Type	Transfer
Record Updated	Apr 9, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	901 E SUNSET DR BELLINGHAM WA 98226, BELLINGHAM, WA 98226

Mortgage

Document Number	2180303214
Date	Mar 30, 2018
Instrument	303214

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2048

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$4,775.00 (+31.76%)	$583,867 (+16.52%) Land $285,408 Building $298,459	$583,867 (+16.52%) Land $285,408 Building $298,459
2022		$501,089 Land $244,944 Building $256,145	$501,089 Land $244,944 Building $256,145
2021	$3,624.00

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	Not rated no burnable land within ember reach

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Radiate Holdings, T-Mobile USA.

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