601 40th St, Bellingham, WA 98229 Property Records

Whatcom County property record for 601 40th St, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,238 sqft · built 1948
Lot Size	0.719 acres (31,320 sqft)
Owner	2 Owner Names on Record
Last Sale	$157,000 (Sep 2003)
Tax Bill	$6,606 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3703050074240000`

Property Details

APN / Parcel Number

Primary APN	`3703050074240000`
Alternative APNs	`370305 007415 0000` `172875` `74381`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,238 sqft Living Area
1st Floor Area	2,238 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1948
Architectural Style	Other
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	31,320 sqft (0.719 acres)
Garage Type	Detached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Patio Area	435 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	74381
Old Parcel Number	3703050074240000
Street Address	601 40TH ST
City	BELLINGHAM
State	WA
Zip	98229-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS20.0
Legal Description	COOK'S ADD TO FAIRHAVEN LOTS 1 THRU 10 BLK 4-TOG WI VAC ADAMS ST ABTG LOT 1 AS VAC ORD 2001-02-005 AF 2010303138
Legal Range	03
Legal Township	37
Legal Section	05
Legal Subdivision	COOK'S ADD
Legal Block	4
Legal Lot Number	1 2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1016
Census Tract	902

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	2 Owner Names on Record
Mailing Address	601 40TH ST, BELLINGHAM, WA 98229-3026
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2003 · Amount on Record
Deed Sale	Sep 22, 2003 · Amount on Record
Deed Document Number	2030905844
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	601 40TH ST, BELLINGHAM, WA 98229-3026
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210403417
Date	Apr 19, 2021
Instrument	2021-0403417

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	601 40TH ST, BELLINGHAM, WA 98229-3026
Document Number	2190902953
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 7, 2019
Title Company	SERVICELINK TITLE COMPANY LLC, SERVICELINK TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	601 40TH ST BELLINGHAM WA 982293026, BELLINGHAM, WA 98229-3026

Mortgage

Document Number	2190902953
Date	Sep 25, 2019
Instrument	902953

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

Tax Assessment & Valuation

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	$6,606.00 (+71.1%)	$807,826 (+45.66%) Land $330,600 Building $477,226	$807,826 (+45.66%) Land $330,600 Building $477,226
2022		$554,587 Land $297,840 Building $256,747	$554,587 Land $297,840 Building $256,747
2021	$3,861.00

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
Nearby Flood Policies	3 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 93% of the US · lower than 95% of Washington
Wildfire Likelihood	Under 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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