Whatcom County property record for 631 E Smith Rd, Bellingham, WA 98226
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,920 sqft · built 1978 |
| Lot Size | 5.3 acres (230,868 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,553 (2026) |
| Deeds & Mortgages | Aug 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 390332-199283-0000 |
| Primary APN | 390332-199283-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 868 sqft Living Area |
| Gross Area | 980 sqft |
| 1st Floor Area | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 230,868 sqft (5.3 acres) |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 248 sqft |
| Deck Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 105209 |
|---|---|
| Street Address | 631 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9782 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R5A |
| Legal Description | LOT A UNDERHILL SHORT PLAT AS REC BOOK 1 SHORT PLATS PG 180-THAT PTN ABTG LOT A-LY ELY OF LI DAF-LI ACROSS E 1/2 NW BEING MARKED BY AN EXISTING FENCE LI MARKING W LI OF UNDERHILL SHORT PLAT-DAF-BEG AT NW SEC COR-TH S 88 DEG 3934 E ALG N LI OF NW 1/4 |
| Legal Range | 03 |
| Legal Township | 39 |
| Legal Section | 32 |
| Legal Subdivision | UNDERHILL SHORT PLAT |
| Legal Block | 2 |
| Legal Lot Number | A |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 101 |
Source: Whatcom County records, as of October 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 | 631 E SMITH RD, BELLINGHAM, WA 98226-9782 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 631 E SMITH RD, BELLINGHAM, WA 98226-9782 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2023 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0000802329 |
|---|---|
| Date | Aug 30, 2023 |
| Instrument | 2023-0802329 |
| Name | 1ST SECURITY BANK OF WASHINGTON |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Sep 1, 2054 |
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Meridian School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,553.00 (+2.11%) | ||
| 2025 | $5,438.00 (+46.5%) | $594,394 (+46.5%) Land $402,706 Building $191,688 | $594,394 (+46.5%) Land $402,706 Building $191,688 |
| 2024 | $3,712.00 (+61.11%) | $405,724 (+31.75%) Land $388,000 Building $17,724 | $405,724 (+31.75%) Land $388,000 Building $17,724 |
| 2022 | $307,941 Land $278,751 Building $29,190 | $307,941 Land $278,751 Building $29,190 | |
| 2021 | $2,304.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Pogozone powered by Neubeam Fixed Wireless | 40 / 7 |
May also be available: AT&T, T-Mobile, Xfinity.
5G (outdoors only) and 4G LTE
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