5651 E 23rd Pl, Bellingham, WA 98226 Property Records

Whatcom County property record for 5651 E 23rd Pl, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,736 sqft · built 1989
Lot Size	5.15 acres (224,334 sqft)
Owner	2 Owner Names on File
Last Sale	$340,280 (Mar 2013)
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Apr 2022 Second Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`501981`

Property Details

APN / Parcel Number

Primary APN	`501981`
Alternative APNs	`390325 300480 0000` `104044`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,736 sqft Living Area
1st Floor Area	966 sqft
2nd Floor Area	770 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	224,334 sqft (5.15 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	300 sqft
Storage Building	1,000 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	501981
Street Address	5651 E 23RD PL
City	BELLINGHAM
State	WA
Zip	98226-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 2 ZBW SHORT PLAT AS REC BOOK 20 SHORT PLATS PG 37
Legal Range	03
Legal Township	39
Legal Section	25
Legal Subdivision	ZBW SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1013
Census Tract	10702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	5651 E 23RD PL, BELLINGHAM, WA 98226-9571
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU
Mar 9, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF THE PACIFIC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2013 · Amount on File
Deed Sale	Mar 5, 2013 · Amount on File
Prior Sale	Oct 13, 2010 · Amount on File
Deed Document Number	2130300363
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5651 E 23RD PL, BELLINGHAM, WA 98226-9571
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000402673
Date	Apr 25, 2022
Instrument	2022-0402673

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5651 E 23RD PL, BELLINGHAM, WA 98226-9571
Document Number	2200301731
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 7, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5651 E 23RD PL BELLINGHAM WA 982269571, BELLINGHAM, WA 98226-9571

Mortgage

Document Number	2200301731
Date	Mar 16, 2020
Instrument	301731

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2050

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Mount Baker School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,388.00 (+26.21%)	$694,009 (+12.39%) Land $278,828 Building $415,181	$694,009 (+12.39%) Land $278,828 Building $415,181
2022		$617,485 Land $310,842 Building $306,643	$617,485 Land $310,842 Building $306,643
2021	$4,269.00

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
Nearby Flood Claims	17 (1983–2021)
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 9 claims Severe Storms & Flooding, Nov 1990 · 5 claims

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	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 6 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
Pogozone powered by Neubeam Fixed Wireless	40 / 7
Ziply Fiber DSL · Fiber in parts of the area	10 / 1

May also be available: AT&T.

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