4735 E Oregon St, Bellingham, WA 98226 Property Records

Whatcom County property record for 4735 E Oregon St, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,899 sqft · built 1990
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Apr 2015)
Tax Bill	$14,198 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`519569`

Property Details

APN / Parcel Number

Primary APN	`519569`
Alternative APNs	`380322 416466 0000` `69155`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,899 sqft Living Area
1st Floor Area	4,069 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Other
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Carport	Carport
Carport Area	1,803 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	60 sqft
Patio Area	297 sqft
Storage Building	1,664 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	519569
Street Address	4735 E OREGON ST
City	BELLINGHAM
State	WA
Zip	98226-9415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR3
Legal Description	E 1/2 SE NW NE-LESS RDS
Legal Range	03
Legal Township	38
Legal Section	22
Legal Subdivision	SILVER BEACH/LK WHATCOM
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1005
Census Tract	804

Owner

4735 E Oregon St is owned and occupied by an individual who bought it in April 2015.

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

Owner of Record	Individual Name on File
Mailing Address	4735 E OREGON ST, BELLINGHAM, WA 98226-9415
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
Apr 24, 2020	Deed of Trust, Mortgage WHATCOM EDUCATIONAL CU
Jul 26, 2018	Deed of Trust, Mortgage · Line of Credit HOMESTREET BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2015 · Amount on File
Deed Sale	Apr 13, 2015 · Amount on File
Prior Sale	Jun 29, 2012 · Amount on File
Deed Document Number	2150401275
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4735 E OREGON ST, BELLINGHAM, WA 98226-9415
Document Number	2200403450
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 E OREGON ST BELLINGHAM WA 982269415, BELLINGHAM, WA 98226-9415

Mortgage

Document Number	2200403450
Date	Apr 29, 2020
Instrument	403450

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4735 E OREGON ST, BELLINGHAM, WA 98226-9415
Document Number	2180703394
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 E OREGON ST BELLINGHAM WA 982269415, BELLINGHAM, WA 98226-9415

Mortgage

Document Number	2180703394
Date	Jul 31, 2018
Instrument	703394

Lender

Name	HOMESTREET BK
Type	Bank
Address	SEATTLE, WA 98101-2326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4735 E Oregon St was $14,198.

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	$14,198.00	$1,580,810 Land $515,780 Building $1,065,030	$1,580,810 Land $515,780 Building $1,065,030
2022		$1,260,896 Land $411,400 Building $849,496	$1,260,896 Land $411,400 Building $849,496
2021	$11,043.00

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

Flood

FEMA maps place 4735 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

Wildfire risk around 4735 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.

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 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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