4801 E Oregon St, Bellingham, WA 98226 Property Records

Whatcom County property record for 4801 E Oregon St, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,042 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$439,780 (Aug 2009)
Tax Bill	$5,932 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`380322-437426-0000`

Property Details

APN / Parcel Number

Primary APN	`380322-437426-0000`
Alternative APNs	`484174` `69192`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,042 sqft Living Area
Gross Area	2,686 sqft
1st Floor Area	1,308 sqft
Basement Area	734 sqft
Finished Basement	734 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Siding Sheathing
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	156 sqft
Patio Area	99 sqft
Balcony Area	80 sqft
Storage Building	728 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	69192
Street Address	4801 E OREGON ST
City	BELLINGHAM
State	WA
Zip	98226-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	SILVER BEACH ON LAKE WHATCOM-LOT 6 BLK G-SUBJ TO BNDRY LI AGRMT REC AF 2031202265
Legal Range	03
Legal Township	38
Legal Section	22
Legal Subdivision	SILVER BEACH ON LAKE WHATCOM
Legal Block	G
Legal Lot Number	6
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1020
Census Tract	804

Owner

4801 E Oregon St is owned and occupied by two individuals who acquired it in September 2010.

Source: Whatcom County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4801 E OREGON ST, BELLINGHAM, WA 98226-1702
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
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2009 · Amount on File
Deed Sale	Aug 28, 2009 · Amount on File
Prior Sale	Nov 2, 2000
Deed Document Number	2009803391
Last Transfer Date	Sep 24, 2010
Transfer Doc	0001000027
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4801 E OREGON ST, BELLINGHAM, WA 98226-1702
Document Number	2200903048
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4801 E OREGON ST BELLINGHAM WA 982261702, BELLINGHAM, WA 98226-1702

Mortgage

Document Number	2200903048
Date	Sep 18, 2020
Instrument	903048

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 17, 2035

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4801 E OREGON ST, BELLINGHAM, WA 98226-1702
Document Number	2180401020
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	May 9, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4801 E OREGON ST BELLINGHAM WA 982261702, BELLINGHAM, WA 98226-1702

Mortgage

Document Number	2180401020
Date	Apr 10, 2018
Instrument	401020

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 9, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4801 E Oregon St was $5,932.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,932.00	$768,202 Land $280,120 Building $488,082	$768,202 Land $280,120 Building $488,082
2022		$663,662 Land $242,000 Building $421,662	$663,662 Land $242,000 Building $421,662
2021	$5,557.00

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

Flood

FEMA maps place 4801 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 4801 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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