427 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 427 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,444 sqft · built 1930
Lot Size	4.84 acres (211,266 sqft)
Owner	Individual Name on Record
Last Sale	$354,500 (Oct 2014)
Tax Bill	$5,851 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`515362`

Property Details

APN / Parcel Number

Primary APN	`515362`
Alternative APNs	`390319 425230 0000` `103332`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,444 sqft Living Area
1st Floor Area	1,064 sqft
2nd Floor Area	380 sqft
Basement Area	608 sqft
Unfinished Basement	608 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1930
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	211,266 sqft (4.84 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	319 sqft
Storage Building	1,728 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	515362
Street Address	427 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 2 E W DAVIS SHORT PLAT AS REC BOOK 11 SHORT PLATS PG 4
Legal Range	03
Legal Township	39
Legal Section	19
Legal Subdivision	E W DAVIS SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	427 E LAUREL RD, BELLINGHAM, WA 98226-9774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2014 · Amount on Record
Deed Sale	Oct 14, 2014 · Amount on Record
Prior Sale	May 24, 2000 · Amount on Record
Deed Document Number	2141001283
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	427 E LAUREL RD, BELLINGHAM, WA 98226-9774
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000500293
Date	May 4, 2023
Instrument	2023-0500293

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	427 E LAUREL RD, BELLINGHAM, WA 98226-9774
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	GUARDIAN LAND TITLE, GUARDIAN NW TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404819
Date	Apr 27, 2021
Instrument	2021-0404819

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

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

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	$5,851.00 (+37.64%)	$667,678 (+21.07%) Land $396,478 Building $271,200	$667,678 (+21.07%) Land $396,478 Building $271,200
2022		$551,499 Land $315,898 Building $235,601	$551,499 Land $315,898 Building $235,601
2021	$4,251.00

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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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