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413 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 413 E Smith Rd, Bellingham, WA 98226 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,360 sqft · built 1920
Lot Size4.48 acres (195,149 sqft)
Owner2 Individual Names on File
Tax Bill$5,213 (2025)
Deeds & MortgagesJan 2024 Construction Loan
Jan 2023 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN390331-416506-0000

Property Details

APN / Parcel Number

Primary APN390331-416506-0000
Alternative APNs
  • 105122
  • 567580
  • 552479

Interior

Bedrooms3 Beds
Full Baths1 Bath
Building Area1,360 sqft Living Area
Gross Area1,720 sqft Gross Area
1st Floor Area1,360 sqft 1st Floor
Basement Area360 sqft Basement
Stories1 Story
FlooringCarpet
FireplaceFireplace
Fireplaces1 Fireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1992
Exterior MaterialMetal
Roof MaterialComposition Shingle
Lot Area195,149 sqft (4.48 acres)
Parking Spaces3 Parking Spaces
Total Buildings2 Buildings
Deck Area444 sqft Deck
Storage Building1,800 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number105122
Street Address413 E SMITH RD
CityBELLINGHAM
StateWA
Zip98226-9764
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 1 BUTENSCHOEN SHORT PLAT AS REC BOOK 9 SHORT PLATS PG 59-EXC PTN TO WHATCOM CO FOR RD DESC AF 960405019
Legal SubdivisionBUTENSCHOEN SHORT PLAT
Legal Block2
Legal Lot Number1
JurisdictionWHATCOM WA
Township / Civil DivisionBELLINGHAM
Census Block Group2
Census Block2006
Census Tract101

Owner

Source: Whatcom County records · APN 390331-416506-0000

Assessment roll updated December 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address5277 LEGACY LN, BELLINGHAM, WA 98226-7417
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jan 23, 2024Deed of Trust, Mortgage · Construction Mortgage
PEOPLES BANK
Jan 20, 2023Quit Claim Deed, Transfer
Quitclaim
Dec 31, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Jun 19, 2018Warranty Deed, Transfer
CHARLES E BUTENSCHOEN

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateJan 17, 2023
Transfer Doc0000001195
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address5277 LEGACY LN, BELLINGHAM, WA 98226
Transaction TypeMortgage
Record UpdatedMay 14, 2024
Title CompanyWHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000101238
DateJan 23, 2024
Instrument2024-0101238
Lender
NamePEOPLES BANK
TypeBank
AddressBELLINGHAM, WA 98226
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueFeb 01, 2055
Interest
Rate TypeAdjustable Rate
Rate8.37%
AdjustableAdjustable Rate Rider
Type Change DateFeb 01, 2032
Change FrequencyAnnually
Min Rate At Change6.37%
Max Rate At Change10.3%
Index12-Month MTA
Max Rate14.3%

January 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWHATCOM WA
Recording DateJan 20, 2023
Property Address5277 LEGACY LN, BELLINGHAM, WA 98226
Document Number0000101195
Map ReferenceAF 1461097
Instrument DateJan 17, 2023
Instrument2023-0101195
Transaction TypeTransfer
Record UpdatedMay 14, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWHATCOM WA
Recording DateDec 31, 2019
Property Address5277 LEGACY LN, BELLINGHAM, WA 98226
Document Number2191204002
Instrument DateDec 27, 2019
Instrument1204002
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateJun 19, 2018
Property Address5277 LEGACY LN, BELLINGHAM, WA 98226
Document Number2180602033
Instrument DateJun 18, 2018
Instrument602033
Transaction TypeTransfer
Record UpdatedJul 02, 2018
Title CompanyCHICAGO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,573.20

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3780 E 16TH PL BELLINGHAM WA 982267873, BELLINGHAM, WA 98226-7873

Mortgage

Document Number2180602034
DateJun 19, 2018
Instrument602034
Lender
NameCHARLES E BUTENSCHOEN
Address413 E SMITH RD, BELLINGHAM, WA 98226-9764
Special NotesSeller Financed
Agreement
AmountAmount Recorded
Term360 Months
DueJun 18, 2048

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictMeridian School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,213.00 (+45.66%)$1,151,743 (+144.66%) Land $370,676 Building $781,067$1,151,743 (+144.66%) Land $370,676 Building $781,067
2022$470,749 Land $256,944 Building $213,805$470,749 Land $256,944 Building $213,805
2021$3,579.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 16% of Washington
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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