521 12th St, Bellingham, WA 98225 Property Records

Whatcom County property record for 521 12th St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,761 sqft · built 1907
Lot Size	0.051 acres (2,265 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (May 2022)
Tax Bill	$7,122 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`591976`

Property Details

APN / Parcel Number

Primary APN	`591976`
Alternative APNs	`370201 134451 0000` `527000` `15924`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,761 sqft Living Area
1st Floor Area	856 sqft
2nd Floor Area	897 sqft

Exterior

Year Built	Built 1907
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	2,265 sqft (0.051 acres)
Porch	Porch
Porch Area	35 sqft
Deck Area	125 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	527000
Street Address	521 12TH ST
City	BELLINGHAM
State	WA
Zip	98225-6120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	TOWN OF BELLINGHAM LOT 2 BLK 16
Legal Range	02
Legal Township	37
Legal Section	01
Legal Subdivision	TOWN OF BELLINGHAM
Legal Block	16
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1037
Census Tract	1102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Hill Historic District listed 2010 · 498 contributing resources · NRIS 09001296

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

521 12th St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	521 12TH ST, BELLINGHAM, WA 98225-6120
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2022 · Amount on File
Deed Sale	May 31, 2022 · Amount on File
Prior Sale	Jan 4, 2016 · Amount on File
Deed Document Number	2022-0503278
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 31, 2022
Property Address	521 12TH ST, BELLINGHAM, WA 98225-6120
Document Number	0000503278
Instrument Date	Apr 22, 2022
Instrument	2022-0503278
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,345.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 12TH ST, BELLINGHAM, WA 98225-6120

Mortgage

Document Number	0000503279
Date	May 31, 2022
Instrument	2022-0503279

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 521 12th St was $7,122.

Source: Whatcom County assessment roll, as of May 31, 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	$7,122.00	$870,855 Land $544,050 Building $326,805	$870,855 Land $544,050 Building $326,805
2022		$848,807 Land $521,220 Building $327,587	$848,807 Land $521,220 Building $327,587
2021	$6,070.00

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

Flood

FEMA maps place 521 12th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 521 12th 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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