615 E Chestnut St, Bellingham, WA 98225 Property Records

Whatcom County property record for 615 E Chestnut St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,267 sqft · built 1895
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$685,000 (May 2021)
Tax Bill	$5,460 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380331-316530-0000`

Property Details

APN / Parcel Number

Primary APN	`380331-316530-0000`
Alternative APNs	`118715` `580858` `77406`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,267 sqft Living Area
Gross Area	1,555 sqft
1st Floor Area	1,267 sqft
Attic	Attic
Attic Area	288 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1993
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Wood Porch
Porch Area	84 sqft
Deck Area	1,220 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	77406
Street Address	615 E CHESTNUT ST
City	BELLINGHAM
State	WA
Zip	98225-5101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM1.0
Legal Description	NEW WHATCOM NWLY 70 FT OF LOTS 9-10 BLK 98
Legal Range	03
Legal Township	38
Legal Section	31
Legal Subdivision	NEW WHATCOM
Legal Block	98
Legal Lot Number	9-10
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2003
Census Tract	1000

Owner

615 E Chestnut St is owned and occupied by an individual who bought it in May 2021.

Source: Whatcom County records, as of April 2, 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	Individual Name on File
Mailing Address	615 E CHESTNUT ST, BELLINGHAM, WA 98225-5101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
May 28, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	May 28, 2021 · Amount on File
Deed Document Number	20214913
Prior Transfer Date	Sep 28, 2000
Prior Transfer Doc	0001000427
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	615 E CHESTNUT ST, BELLINGHAM, WA 98225-5101
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210704923
Date	Jul 28, 2021
Instrument	2021-0704923

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 28, 2021
Property Address	615 E CHESTNUT ST, BELLINGHAM, WA 98225-5101
Document Number	20210504913
Map Reference	VOL 01 PG 24
Instrument Date	May 17, 2021
Instrument	2021-0504913
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,298.00
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	615 E CHESTNUT ST, BELLINGHAM, WA 98225-5101

Mortgage

Document Number	20210504914
Date	May 28, 2021
Instrument	2021-0504914

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 615 E Chestnut St was $5,460.

Source: Whatcom County assessment roll, as of December 30, 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	$5,460.00	$687,045 Land $263,606 Building $423,439	$687,045 Land $263,606 Building $423,439
2022		$589,639 Land $226,233 Building $363,406	$589,639 Land $226,233 Building $363,406
2021	$4,264.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 615 E Chestnut St in Zone X, an area of minimal flood risk.

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

The area around 615 E Chestnut St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband.

Nearby Properties on E Chestnut St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures