Whatcom County property record for 4604 E Oregon St, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,932 sqft · built 1993 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (Jul 2021) |
| Tax Bill | $5,847 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 380322-356406-0000 |
| Primary APN | 380322-356406-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,932 sqft Living Area |
| Gross Area | 2,998 sqft |
| 1st Floor Area | 914 sqft |
| Basement Area | 702 sqft |
| Finished Basement | 140 sqft |
| Unfinished Basement | 562 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Wood Porch |
|---|---|
| Porch Area | 145 sqft |
| Deck Area | 104 sqft |
| Patio Area | 156 sqft |
| Balcony Area | 182 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 69061 |
|---|---|
| Street Address | 4604 E OREGON ST |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-8805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS7.2 |
| Legal Description | LOT A GRUNHURD SHORT PLAT AS REC BOOK 27 SHORT PLATS PG 4 |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 22 |
| Legal Subdivision | GRUNHURD SHORT PLAT |
| Legal Block | 1 |
| Legal Lot Number | A |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 804 |
4604 E Oregon St is owned and occupied by two individuals who bought it in July 2021.
Source: Whatcom County records, as of April 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4604 E OREGON ST, BELLINGHAM, WA 98226-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2021 · Amount on File |
| Deed Sale | Jul 9, 2021 · Amount on File |
| Prior Sale | Jul 9, 2021 · Amount on File |
| Deed Document Number | 20211318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 9, 2021 |
| Property Address | 4604 E OREGON ST, BELLINGHAM, WA 98226-8805 |
| Document Number | 20210701318 |
| Map Reference | VOL27PG4AF920914155 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021-0701318 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Title Company | CHICAGO TITLE BELLINGHAM, CHICAGO TTL BELLINGHAM CHICA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,251.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4604 E OREGON ST, BELLINGHAM, WA 98226-8805 |
| Document Number | 20210701319 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 2021-0701319 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 4604 E Oregon St was $5,847.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| Municipality | Bellingham City |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,847.00 | $757,258 Land $280,120 Building $477,138 | $757,258 Land $280,120 Building $477,138 |
| 2022 | $654,207 Land $242,000 Building $412,207 | $654,207 Land $242,000 Building $412,207 | |
| 2021 | $5,175.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4604 E Oregon St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.
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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 3 (1984–2016) |
| Most Recent Claim | Oct 2016 · other causes |
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 risk around 4604 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 177 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband.
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