4320 E Oregon St, Bellingham, WA 98226 Property Records

Whatcom County property record for 4320 E Oregon St, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,012 sqft · built 1978
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$754,000 (Sep 2021)
Tax Bill	$7,053 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`380322-205406-0000`

Property Details

APN / Parcel Number

Primary APN	`380322-205406-0000`
Alternative APNs	`585007` `68809` `84567`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,012 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	1,924 sqft
Basement Area	1,088 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Exterior Material	Siding Sheathing
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	826 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	68809
Street Address	4320 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 LOT 1 BLK 16
Legal Range	03
Legal Township	38
Legal Section	22
Legal Subdivision	SILVER BEACH ON LAKE WHATCOM
Legal Block	16
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3000
Census Tract	804

Owner

4320 E Oregon St is owned and occupied by two individuals who bought it in September 2021.

Source: Whatcom County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4320 E OREGON ST, BELLINGHAM, WA 98226-6845
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on File
Deed Sale	Sep 27, 2021 · Amount on File
Prior Sale	Sep 27, 2021 · Amount on File
Deed Document Number	20214052
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 27, 2021
Property Address	4320 E OREGON ST, BELLINGHAM, WA 98226-6845
Document Number	20210904052
Map Reference	VOL 2 PG 99
Instrument Date	Sep 24, 2021
Instrument	2021-0904052
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,526.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 E OREGON ST, BELLINGHAM, WA 98226-6845

Mortgage

Document Number	20210904053
Date	Sep 27, 2021
Instrument	2021-0904053

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4320 E OREGON ST, BELLINGHAM, WA 98226-6845
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210702053
Date	Jul 14, 2021
Instrument	2021-0702053

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4320 E Oregon St was $7,053, up 7.5% from the year before.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,053.00 (+7.55%)
2025	$6,558.00	$849,412 Land $280,120 Building $569,292	$849,412 Land $280,120 Building $569,292
2022		$733,820 Land $242,000 Building $491,820	$733,820 Land $242,000 Building $491,820
2021	$5,309.00

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

Flood

FEMA maps place 4320 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

Wildfire risk around 4320 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.

Drinking Water

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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

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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