Whatcom County property record for 539 E Smith Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,792 sqft · built 1937 |
| Lot Size | 9.72 acres (423,403 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,069,972 (Apr 2023) |
| Tax Bill | $7,807 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 390332-050460-0000 |
| Primary APN | 390332-050460-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| Gross Area | 2,496 sqft |
| 1st Floor Area | 1,792 sqft |
| Basement Area | 252 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 423,403 sqft (9.72 acres) |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Concrete/Masonry Porch |
| Porch Area | 452 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 105169 |
|---|---|
| Street Address | 539 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | THAT PTN OF W 1/2 NW NW LY E OF LI DAF-BEG AT NW COR OF NW NW-TH S 88 DEG 3934 E 330 FT TO TPOB-TH S 01 DEG 5311 W 1338.97 FT TAP ON S LI OF NW NW- TERMINUS OF SD LI-EXC ANY PTN LY E OF LI DAF-BEG AT NW COR OF NW NW-TH S 88 DEG 3934E 658.75 FT TO TPO |
| Legal Range | 03 |
| Legal Township | 39 |
| Legal Section | 32 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 101 |
Source: Whatcom County records · APN 390332-050460-0000
Assessment roll updated December 30, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5825 SALAKANUM WAY, BELLINGHAM, WA 98226-9518 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Mar 27, 2023 | Warranty Deed, Transfer · Commercial Mortgage WHATCOM EDUCATIONAL CU |
| Apr 14, 2023 | Re-recorded Document · Commercial Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 14, 2023 · Amount on Record |
| Deed Sale | Apr 14, 2023 · Amount on Record |
| Prior Sale | Mar 27, 2023 · Amount on Record |
| Deed Document Number | 2023875 |
| Prior Transfer Date | Mar 22, 2023 |
| Prior Transfer Doc | 0000000875 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 27, 2023 |
| Property Address | 539 E SMITH RD, BELLINGHAM, WA 98226-9738 |
| Document Number | 0000301854 |
| Instrument Date | Mar 22, 2023 |
| Instrument | 2023-0301854 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $18,150.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5825 SALAKANUM WAY, BELLINGHAM, WA 98226-9518 |
| Document Number | 0000301855 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 2023-0301855 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 14, 2023 |
| Property Address | 539 E SMITH RD, BELLINGHAM, WA 98226-9738 |
| Document Number | 0000400875 |
| Instrument Date | Mar 22, 2023 |
| Instrument | 2023-0400875 |
| Record Updated | Apr 26, 2023 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5825 SALAKANUM WAY, BELLINGHAM, WA 98226-9518 |
| Document Number | 0000400876 |
|---|---|
| Date | Apr 14, 2023 |
| Instrument | 2023-0400876 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98226 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Meridian School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,807.00 (+58.36%) | $1,106,338 (+70.38%) Land $403,723 Building $702,615 | $1,106,338 (+70.38%) Land $403,723 Building $702,615 |
| 2022 | $649,324 Land $375,746 Building $273,578 | $649,324 Land $375,746 Building $273,578 | |
| 2021 | $4,930.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), as of May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730001012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Verizon.
Based on FCC filings for 27 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system WA5318418, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DEER CREEK WATER ASSOC. private · serves 2,000 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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