480 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 480 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,642 sqft · built 1976
Lot Size	5.13 acres (223,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (May 2024)
Tax Bill	$8,116 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390319-488366-0000`

Property Details

APN / Parcel Number

Primary APN	`390319-488366-0000`
Alternative APNs	`103357` `27010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,642 sqft Living Area
Gross Area	4,422 sqft
1st Floor Area	2,346 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2007
Architectural Style	Multi-Level
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	223,463 sqft (5.13 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	24 sqft
Deck Area	253 sqft
Storage Building	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	103357
Street Address	480 E LAUREL RD
City	BELLINGHAM
State	WA
Zip	98226-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	E 1/2 SE NE-EXC E 240 FT OF S 726 FT EXC W 310 FT-EXC S 600 FT THEREOF-SUBJ TO ESMT REC AF 1169541-LESS RDS
Legal Range	03
Legal Township	39
Legal Section	19
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2007
Census Tract	10701

Owner

Source: Whatcom County records, as of June 1, 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	480 E LAUREL RD, BELLINGHAM, WA 98226-9774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION
Sep 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2024 · Amount on Record
Deed Sale	May 29, 2024 · Amount on Record
Prior Sale	Jan 2, 2002 · Amount on Record
Deed Document Number	20242139
Prior Transfer Date	Apr 19, 2024
Prior Transfer Doc	0000002139
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	May 22, 2026
Property Address	480 E LAUREL RD, BELLINGHAM, WA 98226-9774
Document Number	0000001900
Instrument Date	May 18, 2026
Instrument	20261900
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 E LAUREL RD, BELLINGHAM, WA 98226-9774

Mortgage

Document Number	0000001900,
Date	May 22, 2026
Instrument	20261900

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	480 E LAUREL RD, BELLINGHAM, WA 98226-9774
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	WHATCOM LAND TITLE, WHATCOM LAND TITLE NEW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 E LAUREL RD, BELLINGHAM, WA 98226-9774

Mortgage

Document Number	0000901622
Date	Sep 19, 2025
Instrument	2025-0901622

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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
2025	$8,116.00 (+30.4%)	$949,527 (+17.77%) Land $401,045 Building $548,482	$949,527 (+17.77%) Land $401,045 Building $548,482
2022		$806,233 Land $333,572 Building $472,661	$806,233 Land $333,572 Building $472,661
2021	$6,224.00

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

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 93% of the US · lower than 95% of Washington
Wildfire Likelihood	Under 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Xfinity.

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