448 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 448 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Lot Size	4.19 acres (182,516 sqft)
Owner	2 Individual Names on Record
Last Sale	$301,000 (Mar 2025)
Tax Bill	$2,570 (2026)
Deeds & Mortgages	Oct 2025 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`390330-393102-0000`

Property Details

APN / Parcel Number

Primary APN	`390330-393102-0000`
Alternative APNs	`189911` `30982` `15496`

Exterior

Lot Area	182,516 sqft (4.19 acres)

Location & Zoning

Account Number	189911
Street Address	448 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	W 10 ACRES OF SE SE-LESS RD-EXC STRIP 16.5 FT WIDE OFF W SIDE OF SE SE-EXC PTN TO WHATCOM CO FOR RD DESC AF 960320270-EXC PTN DAF-S 5 ACS OF W 10 ACS OF SE SE-EXC W 1 ROD THEREOF-EXC R/W FOR E SMITH RD LY ALG SLY BNDRY THEREOF-ALSO EXC THAT PTN TO WH
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, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4700 BEDFORD AVE, BELLINGHAM, WA 98226-1214
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2025 · Amount on Record
Deed Sale	Mar 13, 2025 · Amount on Record
Deed Document Number	2025822
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	448 E SMITH RD, BELLINGHAM, WA 98226-9764
Transaction Type	Mortgage
Record Updated	Nov 13, 2025
Title Company	WHATCOM LAND TITLE, WHATCOM LAND TITLE NEW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001002551
Date	Oct 31, 2025
Instrument	2025-1002551

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2036
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.2%
Index	SOFR Average 30-Day
Max Rate	12.2%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,570.00 (+109.45%)
2025	$1,227.00	$289,450 (-10.99%) Land $289,450	$289,450 (-10.99%) Land $289,450
2022		$325,193 Land $325,193	$325,193 Land $325,193

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2026

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Pogozone powered by Neubeam Fixed Wireless	40 / 7