4575 E 23rd Ave, Bellingham, WA 98226 Property Records

Whatcom County property record for 4575 E 23rd Ave, Bellingham, WA 98226

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 3 ba · 3,620 sqft · built 1996
Lot Size	5.55 acres (241,758 sqft)
Owner	2 Individual Names on File
Last Sale	$100,280 (Sep 2011)
Tax Bill	$7,044 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43798`

Property Details

APN / Parcel Number

Primary APN	`43798`
Alternative APNs	`380301 254102 0000` `54263`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,620 sqft Total Area
1st Floor Area	1,786 sqft
2nd Floor Area	1,834 sqft
Basement Area	1,768 sqft
Unfinished Basement	1,768 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	241,758 sqft (5.55 acres)
Garage Type	Mixed
Garage Area	624 sqft
Carport	Carport
Carport Area	720 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	812 sqft
Deck Area	610 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	43798
Street Address	4575 E 23RD AVE
City	BELLINGHAM
State	WA
Zip	98226-8614
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	R5A
Legal Description	LOT 2 FREEMAN SHORT PLAT AS REC BOOK 22 SHORT PLATS PG 49
Legal Range	03
Legal Township	38
Legal Section	01
Legal Subdivision	FREEMAN SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2032
Census Tract	101

Owner

4575 E 23rd Ave, an agricultural property, is owned and occupied by two individuals who bought it in September 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	4575 E 23RD AVE, BELLINGHAM, WA 98226-8614
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

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FELLOWSHIP HM LOANS
Jun 11, 2019	Deed of Trust, Mortgage · FHA Mortgage FELLOWSHIP HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2011 · Amount on File
Deed Sale	Sep 30, 2011 · Amount on File
Deed Document Number	2110903091
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4575 E 23RD AVE, BELLINGHAM, WA 98226-8614
Document Number	2200802460
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4575 E 23RD AVE BELLINGHAM WA 982268614, BELLINGHAM, WA 98226-8614

Mortgage

Document Number	2200802460
Date	Aug 17, 2020
Instrument	802460

Lender

Name	FELLOWSHIP HM LOANS
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4575 E 23RD AVE, BELLINGHAM, WA 98226-8614
Document Number	2190601736
Instrument Date	Jun 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	SOLIDIFI TITLE AGENCY LLC, SOLIDIFI TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4575 E 23RD AVE BELLINGHAM WA 982268614, BELLINGHAM, WA 98226-8614

Mortgage

Document Number	2190601736
Date	Jun 14, 2019
Instrument	601736

Lender

Name	FELLOWSHIP HM LOANS
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4575 E 23rd Ave was $7,044.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,044.00	$907,256 Land $86,574 Building $820,682	$1,189,465 Land $368,783 Building $820,682
2022		$722,182 Land $67,584 Building $654,598	$948,749 Land $294,151 Building $654,598
2021	$5,775.00

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

Flood

FEMA maps place 4575 E 23rd Ave 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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 4575 E 23rd Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50

May also be available: Verizon.

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