609 13th St, Bellingham, WA 98225 Property Records

Whatcom County property record for 609 13th St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,380 sqft · built 1902
Lot Size	0.232 acres (10,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Aug 2019)
Tax Bill	$9,759 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`564148`

Property Details

APN / Parcel Number

Primary APN	`564148`
Alternative APNs	`370201 163429 0000` `16098`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,380 sqft Living Area
1st Floor Area	1,142 sqft
2nd Floor Area	913 sqft
Basement Area	120 sqft
Unfinished Basement	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,123 sqft (0.232 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	252 sqft
Deck Area	132 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	564148
Street Address	609 13TH ST
City	BELLINGHAM
State	WA
Zip	98225-6124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	TOWN OF BELLINGHAM LOTS 7-8-9 BLK 26
Legal Range	02
Legal Township	37
Legal Section	01
Legal Subdivision	TOWN OF BELLINGHAM
Legal Block	26
Legal Lot Number	7 8
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1045
Census Tract	1102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Hill Historic District listed 2010 · 498 contributing resources · NRIS 09001296

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Individual Names on Record
Mailing Address	609 13TH ST, BELLINGHAM, WA 98225-6124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 26, 2019	Warranty Deed, Transfer · Conventional Mortgage MUTUAL/OMAHA MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	2019-0803230
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	609 13TH ST, BELLINGHAM, WA 98225-6124
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001000161
Date	Oct 4, 2022
Instrument	2022-1000161

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 29, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	609 13TH ST, BELLINGHAM, WA 98225-6124
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20211002842
Date	Oct 19, 2021
Instrument	2021-1002842

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2041

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 26, 2019
Property Address	609 13TH ST, BELLINGHAM, WA 98225-6124
Document Number	2190880323
Instrument Date	Aug 23, 2019
Instrument	80323
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	609 13TH ST BELLINGHAM WA 982256124, BELLINGHAM, WA 98225-6124

Mortgage

Document Number	2190803231
Date	Aug 26, 2019
Instrument	803231

Lender

Name	MUTUAL/OMAHA MTG LLC
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 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	$9,759.00 (+40.78%)	$1,193,348 (+23.12%) Land $664,950 Building $528,398	$1,193,348 (+23.12%) Land $664,950 Building $528,398
2022		$969,293 Land $625,464 Building $343,829	$969,293 Land $625,464 Building $343,829
2021	$6,932.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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