415 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 415 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1971
Lot Size	1.98 acres (86,249 sqft)
Owner	Individual Name on File
Last Sale	$230,280 (Nov 2013)
Tax Bill	$5,197 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`507755`

Property Details

APN / Parcel Number

Primary APN	`507755`
Alternative APNs	`390319 400243 0000` `103327`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,933 sqft
Finished Basement	725 sqft
Unfinished Basement	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	86,249 sqft (1.98 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	396 sqft
Storage Building	480 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	507755
Street Address	415 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	NLY 450 FT OF ELY 200 FT OF W 10 ACRES OF NE SE-OF E 10 RODS OF NW SE-SUBJ TO ESMT REC AF 779467-LESS RD
Legal Range	03
Legal Township	39
Legal Section	19
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
Census Tract	10701

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	415 E LAUREL RD, BELLINGHAM, WA 98226-9774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2018	Deed of Trust, Mortgage · Line of Credit UMPQUA BK
Sep 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 5, 2013 · Amount on Record
Deed Sale	Nov 5, 2013 · Amount on Record
Prior Sale	Aug 18, 2005 · Amount on Record
Deed Document Number	2131100327
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	415 E LAUREL RD, BELLINGHAM, WA 98226-9774
Document Number	2181002596
Instrument Date	Oct 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 E LAUREL RD BELLINGHAM WA 982269774, BELLINGHAM, WA 98226-9774

Mortgage

Document Number	2181002596
Date	Oct 25, 2018
Instrument	1002596

Lender

Name	UMPQUA BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	415 E LAUREL RD, BELLINGHAM, WA 98226-9774
Document Number	2180902107
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 E LAUREL RD BELLINGHAM WA 982269774, BELLINGHAM, WA 98226-9774

Mortgage

Document Number	2180902107
Date	Sep 24, 2018
Instrument	902107

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 23, 2038

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	$5,197.00 (+37.56%)	$593,024 (+21.08%) Land $336,903 Building $256,121	$593,024 (+21.08%) Land $336,903 Building $256,121
2022		$489,785 Land $241,546 Building $248,239	$489,785 Land $241,546 Building $248,239
2021	$3,778.00

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 93% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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