Whatcom County property record for 4314 E Oregon St, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,528 sqft · built 1976 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,875 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 380322-196406-0000 |
| Primary APN | 380322-196406-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,528 sqft Living Area |
| 1st Floor Area | 1,255 sqft |
| Basement Area | 1,273 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding Sheathing |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 560 sqft |
| Storage Building | 80 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 68759 |
|---|---|
| Street Address | 4314 E OREGON ST |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-6845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS7.2 |
| Legal Description | SILVER BEACH ON LAKE WHATCOM LOTS 2-3 BLK 16 |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 22 |
| Legal Subdivision | SILVER BEACH ON LAKE WHATCOM |
| Legal Block | 16 |
| Legal Lot Number | 2-3 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 804 |
4314 E Oregon St is owned and occupied by two individuals.
Source: Whatcom County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4314 E OREGON ST, BELLINGHAM, WA 98226-6845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 4, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4314 E OREGON ST, BELLINGHAM, WA 98226-6845 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 20210901409 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021-0901409 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4314 E OREGON ST, BELLINGHAM, WA 98226-6845 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 20210500507 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 2021-0500507 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 4314 E Oregon St was $5,875, up 1.6% from the year before.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| Municipality | Bellingham City |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,875.00 (+1.56%) | ||
| 2025 | $5,785.00 | $707,423 Land $308,132 Building $399,291 | $707,423 Land $308,132 Building $399,291 |
| 2022 | $611,154 Land $266,200 Building $344,954 | $611,154 Land $266,200 Building $344,954 | |
| 2021 | $4,361.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4314 E Oregon St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 3 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 risk around 4314 E Oregon St is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
May also be available: Astound Broadband.
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