406 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 406 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,558 sqft · built 1905
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Apr 2018)
Tax Bill	$4,773 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550882`

Property Details

APN / Parcel Number

Primary APN	`550882`
Alternative APNs	`390319 395280 0000` `103325`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,558 sqft Living Area
1st Floor Area	1,222 sqft
2nd Floor Area	336 sqft
Basement Area	494 sqft
Unfinished Basement	494 sqft

Exterior

Year Built	Built 1905
Architectural Style	Split Level
Exterior Material	Combination
Roof Material	Other
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	72 sqft
Deck Area	80 sqft
Storage Building	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	550882
Street Address	406 E LAUREL RD
City	BELLINGHAM
State	WA
Zip	98226-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 1 R & C SHORT PLAT AS REC BOOK 28 SHORT PLATS PG 7
Legal Range	03
Legal Township	39
Legal Section	19
Legal Subdivision	R & C SHORT PLAT
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2007
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 Individual Names on Record
Mailing Address	406 E LAUREL RD, BELLINGHAM, WA 98226-9774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MTG
Apr 26, 2018	Grant Deed, Transfer · FHA Mortgage UMPQUA BK
Aug 17, 2017	Trustee's Deed, Foreclosure NEXTITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2018 · Amount on Record
Deed Sale	Apr 26, 2018 · Amount on Record
Prior Sale	Aug 17, 2017 · Amount on Record
Deed Document Number	2018-0402959
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	406 E LAUREL RD, BELLINGHAM, WA 98226-9774
Document Number	2190902103
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 E LAUREL RD BELLINGHAM WA 982269774, BELLINGHAM, WA 98226-9774

Mortgage

Document Number	2190902103
Date	Sep 18, 2019
Instrument	902103

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 26, 2018
Property Address	406 E LAUREL RD, BELLINGHAM, WA 98226-9774
Document Number	2180402959
Instrument Date	Mar 7, 2018
Instrument	402959
Transaction Type	Transfer
Record Updated	May 4, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	406 E LAUREL RD BELLINGHAM WA 982269774, BELLINGHAM, WA 98226-9774

Mortgage

Document Number	2180402960
Date	Apr 26, 2018
Instrument	402960

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2048

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 17, 2017
Property Address	406 E LAUREL RD, BELLINGHAM, WA 98226-9774
Document Number	2170802063
Instrument Date	Aug 4, 2017
Instrument	802063
Transaction Type	Foreclosure
Record Updated	Aug 25, 2017
Title Company	NEXTITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132

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	$4,773.00 (+67.71%)	$544,592 (+47.83%) Land $320,089 Building $224,503	$544,592 (+47.83%) Land $320,089 Building $224,503
2022		$368,380 Land $181,941 Building $186,439	$368,380 Land $181,941 Building $186,439
2021	$2,846.00

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 94% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Xfinity.

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