467 Whitecap Rd, Bellingham, WA 98229 Property Records

Whatcom County property record for 467 Whitecap Rd, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 692 sqft · built 2002
Lot Size	2.14 acres (93,218 sqft)
Owner	Owner Name on Record
Tax Bill	$6,768 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25380`

Property Details

APN / Parcel Number

Primary APN	`25380`
Alternative APNs	`370236 274484 0000` `20698`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	692 sqft Living Area
1st Floor Area	572 sqft
2nd Floor Area	120 sqft

Exterior

Year Built	Built 2002
Architectural Style	Split Level
Exterior Material	Combination
Roof Material	Metal
Lot Area	93,218 sqft (2.14 acres)
Porch	Porch
Porch Area	106 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	25380
Street Address	467 WHITECAP RD
City	BELLINGHAM
State	WA
Zip	98229-8959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR5A
Legal Description	THAT PTN OF LOTS 1-2 CAEMMERER SHORT PLAT AS REC BOOK 17 SHORT PLATS PG 58 DAF-BEG AT COMM COR OF LOTS 1-2-ELY R/W MARGIN OF
Legal Range	02
Legal Township	37
Legal Section	36
Legal Subdivision	CAEMMERER SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2021
Census Tract	1202

Owner

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

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

Owner of Record	Owner Name on Record
Mailing Address	467 WHITECAP RD, BELLINGHAM, WA 98229-8959
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2019	Deed of Trust, Mortgage · Line of Credit UMPQUA BK
Feb 20, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 20, 2017	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Mar 22, 2005
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	467 WHITECAP RD, BELLINGHAM, WA 98229-8959
Document Number	2190701648
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	467 WHITECAP RD BELLINGHAM WA 982298959, BELLINGHAM, WA 98229-8959

Mortgage

Document Number	2190701648
Date	Jul 16, 2019
Instrument	701648

Lender

Name	UMPQUA BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	467 WHITECAP RD, BELLINGHAM, WA 98229-8959
Document Number	2180300012
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 12, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	467 WHITECAP RD BELLINGHAM WA 982298959, BELLINGHAM, WA 98229-8959

Mortgage

Document Number	2180300012
Date	Mar 1, 2018
Instrument	300012

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 29, 2048

Interest

Rate Type	Adjustable Rate

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	467 WHITECAP RD, BELLINGHAM, WA 98229-8959
Document Number	2170703619
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,768.00 (+50.43%)	$756,699 (+33.46%) Land $612,850 Building $143,849	$756,699 (+33.46%) Land $612,850 Building $143,849
2022		$566,991 Land $457,377 Building $109,614	$566,991 Land $457,377 Building $109,614
2021	$4,499.00

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 · 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	4 in force
Nearby Flood Claims	4 (1990–1996)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Dec 1996 · Severe Winter Storms, Land & Muds Slides,flooding
Claims by Event	Severe Storms & Flooding, Nov 1990 · 2 claims

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

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.

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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10

Cell Coverage

4G LTE only, no 5G reported

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