5807 Giarde Ln, Bellingham, WA 98226 Property Records

Whatcom County property record for 5807 Giarde Ln, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,996 sqft · built 1986
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Oct 2023)
Tax Bill	$5,681 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`549570`

Property Details

APN / Parcel Number

Primary APN	`549570`
Alternative APNs	`390420 143100 0000` `106869`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,996 sqft Living Area
1st Floor Area	1,516 sqft
2nd Floor Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	156 sqft
Storage Building	1,152 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	549570
Street Address	5807 GIARDE LN
City	BELLINGHAM
State	WA
Zip	98226-7540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 1 NIENABER SHORT PLAT AS REC BOOK 8 SHORT PLATS PG 65
Legal Range	04
Legal Township	39
Legal Section	20
Legal Subdivision	NIENABER SHORT PLAT
Legal Tract	1
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1005
Census Tract	10702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5807 GIARDE LN, BELLINGHAM, WA 98226-7540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 7, 2018	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK&TR CO/MADISON CNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2023 · Amount on Record
Deed Sale	Oct 5, 2023 · Amount on Record
Prior Sale	Mar 7, 2018 · Amount on Record
Deed Document Number	2023-1000306
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 5, 2023
Property Address	5807 GIARDE LN, BELLINGHAM, WA 98226-7540
Document Number	0001000306
Map Reference	AF 1440586
Instrument Date	Sep 27, 2023
Instrument	2023-1000306
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,855.00
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	5807 GIARDE LN, BELLINGHAM, WA 98226-7540

Mortgage

Document Number	0001000307
Date	Oct 5, 2023
Instrument	2023-1000307

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5807 GIARDE LN, BELLINGHAM, WA 98226-7540
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001201118
Date	Dec 8, 2021
Instrument	2021-1201118

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 7, 2018
Property Address	5807 GIARDE LN, BELLINGHAM, WA 98226-7540
Document Number	2180300638
Instrument Date	Feb 26, 2018
Instrument	300638
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,282.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5807 GIARDE LN BELLINGHAM WA 982267540, BELLINGHAM, WA 98226-7540

Mortgage

Document Number	2180300639
Date	Mar 7, 2018
Instrument	300639

Lender

Name	PEOPLES BK&TR CO/MADISON CNTY
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2048

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	$5,681.00 (+21.73%)	$737,035 (+10.01%) Land $281,847 Building $455,188	$737,035 (+10.01%) Land $281,847 Building $455,188
2022		$669,953 Land $318,663 Building $351,290	$669,953 Land $318,663 Building $351,290
2021	$4,667.00

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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