4409 E Oregon St, Bellingham, WA 98226 Property Records

Whatcom County property record for 4409 E Oregon St, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,078 sqft · built 2001
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Oct 2019)
Tax Bill	$10,682 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380322-224429-0000`

Property Details

APN / Parcel Number

Primary APN	`380322-224429-0000`
Alternative APNs	`565374` `68859`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,078 sqft Living Area
Gross Area	4,931 sqft
1st Floor Area	2,106 sqft
Basement Area	693 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2015
Exterior Material	Siding Sheathing
Foundation Type	Concrete
Roof Material	Metal
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	348 sqft
Patio Area	348 sqft
Balcony Area	348 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	68859
Street Address	4409 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	LOT 3 BRENDAS SHORT PLAT AS REC AF 1980901258
Legal Range	03
Legal Township	38
Legal Section	22
Legal Subdivision	BRENDAS SHORT PLAT
Legal Block	3
Legal Lot Number	3
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3000
Census Tract	804

Owner

4409 E Oregon St is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4409 E OREGON ST, BELLINGHAM, WA 98226-8872
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2019 · Amount on File
Deed Sale	Oct 4, 2019 · Amount on File
Prior Sale	Oct 28, 2013 · Amount on File
Deed Document Number	20191000659
Prior Transfer Date	Jan 11, 2013
Prior Transfer Doc	0000101326
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 4, 2019
Property Address	4409 E OREGON ST, BELLINGHAM, WA 98226-8872
Document Number	2191000659
Instrument Date	Sep 24, 2019
Instrument	1000659
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	912 SYCAMORE DR DECATUR GA 300301641, DECATUR, GA 30030-1641

Mortgage

Document Number	2191000660
Date	Oct 4, 2019
Instrument	1000660

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4409 E Oregon St was $10,682, 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	$10,682.00 (+1.51%)
2025	$10,523.00	$1,286,770 Land $280,120 Building $1,006,650	$1,286,770 Land $280,120 Building $1,006,650
2022		$1,111,661 Land $242,000 Building $869,661	$1,111,661 Land $242,000 Building $869,661
2021	$8,216.00

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

Flood

FEMA maps place 4409 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 4409 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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