551 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 551 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,358 sqft · built 1910
Lot Size	4.92 acres (214,315 sqft)
Owner	2 Individual Names on Record
Last Sale	$671,910 (Jul 2026)
Tax Bill	$6,088 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390332-082497-0000`

Property Details

APN / Parcel Number

Primary APN	`390332-082497-0000`
Alternative APNs	`105171` `576435` `21004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	1,910 sqft
1st Floor Area	962 sqft
Basement Area	400 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2016
Exterior Material	Siding Sheathing
Foundation Type	Concrete
Roof Material	Metal
Lot Area	214,315 sqft (4.92 acres)
Garage Type	Detached
Garage Area	1,188 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	152 sqft
Deck Area	81 sqft
Patio Area	453 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	105171
Street Address	551 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	LOT 1 ROBERT BUTENSCHOEN SHORT PLAT AS REC BOOK 15 SHORT PLATS PG 29-EXC PTN TO WHATCOM CO FOR RD DESC AF 960130022-ALSO EXC PTN LY ELY OF AGREED COURT ORDER LI DESC IN ORDER IN WHATCOM CO SUP COURT ORDER NO 09-2-01139-3-ALSO AS REC AF 2140300632
Legal Range	03
Legal Township	39
Legal Section	32
Legal Subdivision	ROBERT BUTENSCHOEN SHORT PLAT
Legal Block	2
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2006
Census Tract	101

Owner

Source: Whatcom County records, as of October 16, 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	551 E SMITH RD, BELLINGHAM, WA 98226-9738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 7, 2022	Deed of Trust, Mortgage · Line of Credit ALASKA USA FCU
Dec 22, 2020	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Prior Sale	Dec 22, 2020 · Amount on Record
Deed Document Number	20261235
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 15, 2026
Property Address	551 E SMITH RD, BELLINGHAM, WA 98226-9738
Document Number	0000001235
Instrument Date	Jul 13, 2026
Instrument	20261235
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E SMITH RD, BELLINGHAM, WA 98226-9738

Mortgage

Document Number	0000001236,
Date	Jul 15, 2026
Instrument	2026071236

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	551 E SMITH RD, BELLINGHAM, WA 98226-9738
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E SMITH RD, BELLINGHAM, WA 98226-9738

Mortgage

Document Number	0000100778
Date	Jan 7, 2022
Instrument	2022-0100778

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78269

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 22, 2020
Property Address	551 E SMITH RD, BELLINGHAM, WA 98226-9738
Document Number	2201204223
Instrument Date	Dec 16, 2020
Instrument	1204223
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,696.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E SMITH RD BELLINGHAM WA 982269738, BELLINGHAM, WA 98226-9738

Mortgage

Document Number	2201204224
Date	Dec 22, 2020
Instrument	1204224

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

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
2026	$6,088.00 (+4.32%)
2025	$5,836.00 (+43.36%)	$654,704 (+22.19%) Land $358,325 Building $296,379	$654,704 (+22.19%) Land $358,325 Building $296,379
2022		$535,798 Land $334,791 Building $201,007	$535,798 Land $334,791 Building $201,007
2021	$4,071.00

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 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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

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	DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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