440 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 440 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,432 sqft · built 1978
Lot Size	4.9 acres (213,880 sqft)
Owner	Individual Name on File
Last Sale	$427,800 (Aug 2018)
Tax Bill	$3,080 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`553891`

Property Details

APN / Parcel Number

Primary APN	`553891`
Alternative APNs	`390330 426056 0000` `104962`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,432 sqft Living Area
1st Floor Area	2,432 sqft

Exterior

Year Built	Built 1978
Architectural Style	Other
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	213,880 sqft (4.9 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	376 sqft
Storage Building	800 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	553891
Street Address	440 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	S 1/2 W 1/2 SE SE-EXC W 10 ACRES OF SE SE-LESS RD-EXC PTN TO WHATCOM CO FOR RD DESC AF 960325460
Legal Range	03
Legal Township	39
Legal Section	30
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2031
Census Tract	10701

Owner

Source: Whatcom County records · APN 553891

Assessment roll updated May 31, 2025 · Last verified March 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 File
Mailing Address	440 E SMITH RD, BELLINGHAM, WA 98226-9764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 04, 2020	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU
Oct 22, 2019	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU
Sep 04, 2018	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU
Aug 06, 2018	Warranty Deed, Transfer WHATCOM LAND TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 06, 2018 · Amount on Record
Deed Sale	Aug 06, 2018 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Document Number	2018-0800489
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	440 E SMITH RD, BELLINGHAM, WA 98226-9764
Document Number	2200800895
Instrument Date	Aug 04, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E SMITH RD BELLINGHAM WA 982269764, BELLINGHAM, WA 98226-9764

Mortgage

Document Number	2200800895
Date	Aug 07, 2020
Instrument	800895

Lender

Name	INDUSTRIAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-1767

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	440 E SMITH RD, BELLINGHAM, WA 98226-9764
Document Number	2191003533
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 05, 2019
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E SMITH RD BELLINGHAM WA 982269764, BELLINGHAM, WA 98226-9764

Mortgage

Document Number	2191003533
Date	Oct 25, 2019
Instrument	1003533

Lender

Name	INDUSTRIAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-1767

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	440 E SMITH RD, BELLINGHAM, WA 98226-9764
Document Number	2180900506
Instrument Date	Sep 04, 2018
Transaction Type	Mortgage
Record Updated	Sep 27, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E SMITH RD BELLINGHAM WA 982269764, BELLINGHAM, WA 98226-9764

Mortgage

Document Number	2180900506
Date	Sep 07, 2018
Instrument	900506

Lender

Name	INDUSTRIAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-1767

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 06, 2018
Property Address	440 E SMITH RD, BELLINGHAM, WA 98226-9764
Document Number	2180800489
Instrument Date	Aug 03, 2018
Instrument	800489
Transaction Type	Transfer
Record Updated	Oct 04, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$7,619.84
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E SMITH RD BELLINGHAM WA 982269764, BELLINGHAM, WA 98226-9764

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,080.00 (+247.63%) Senior Citizen's exemption	$351,432 (-) Land $147,480 Building $203,952	$738,174 (+3.4%) Land $357,951 Building $380,223
2022		$351,432 Land $147,480 Building $203,952	$713,934 Land $299,606 Building $414,328
2021	$886.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 26, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Based on FCC filings for 27 locations within half a mile of this property.

Nearby Properties on E Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures