4404 E Oregon St, Bellingham, WA 98226 Property Records

Whatcom County property record for 4404 E Oregon St, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,992 sqft · built 1962
Lot Size	0.43 acres (18,731 sqft)
Owner	Trust Name on File
Last Sale	$1,230,023 (Apr 2022)
Tax Bill	$6,934 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380322-222405-0000`

Property Details

APN / Parcel Number

Primary APN	`380322-222405-0000`
Alternative APNs	`590519` `68854` `89778`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,992 sqft Living Area
Gross Area	3,032 sqft
1st Floor Area	1,524 sqft
Basement Area	1,468 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1995
Exterior Material	Plywood
Foundation Type	Concrete
Roof Material	Built-Up Asphalt
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Detached
Garage Area	449 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	507 sqft
Patio Area	503 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	68854
Street Address	4404 E OREGON ST
City	BELLINGHAM
State	WA
Zip	98226-8872
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	SILVER BEACH ON LAKE WHATCOM LOTS 7-8-9 BLK 23
Legal Range	03
Legal Township	38
Legal Section	22
Legal Subdivision	SILVER BEACH ON LAKE WHATCOM
Legal Block	23
Legal Lot Number	7-8
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3001
Census Tract	804

Owner

4404 E Oregon St is held in a trust since April 2022.

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

Owner of Record	Trust Name on File
Mailing Address	404 E, OR
Owner Type	Company
Vesting	Trust

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
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 22, 2016	Deed of Trust, Mortgage · Conventional Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2022 · Amount on File
Deed Sale	Apr 15, 2022 · Amount on File
Prior Sale	Nov 4, 2008 · Amount on File
Deed Document Number	20221709
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 15, 2022
Property Address	4404 E OREGON ST, BELLINGHAM, WA 98226-8872
Document Number	0000401709
Map Reference	VOL 2 PG 99
Instrument Date	Apr 8, 2022
Instrument	2022-0401709
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,999.41
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	4404 E OREGON ST, BELLINGHAM, WA 98226-8872

Mortgage

Document Number	0000401710
Date	Apr 15, 2022
Instrument	2022-0401710

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4404 E OREGON ST, BELLINGHAM, WA 98226-8872
Document Number	2170100100
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Jan 26, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4404 E OREGON ST BELLINGHAM WA 982268872, BELLINGHAM, WA 98226-8872

Mortgage

Document Number	2170100100
Date	Jan 3, 2017
Instrument	100100

Lender

Name	DITECH FIN'L
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 2, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 4404 E Oregon St was $6,934, up 1.5% 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	$6,934.00 (+1.54%)
2025	$6,829.00	$835,076 Land $350,150 Building $484,926	$835,076 Land $350,150 Building $484,926
2022		$721,435 Land $302,500 Building $418,935	$721,435 Land $302,500 Building $418,935
2021	$5,540.00

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

Flood

FEMA maps place 4404 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 4404 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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