Whatcom County property record for 7 Cold Spring Ln, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,322 sqft · built 1992 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Oct 2021) |
| Tax Bill | $5,173 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 370406-154004-0000 |
| Primary APN | 370406-154004-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,322 sqft Living Area |
| Gross Area | 1,732 sqft |
| 1st Floor Area | 1,322 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 410 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Wood Porch |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 451 sqft |
| Patio Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 29696 |
|---|---|
| Street Address | 7 COLD SPRING LN |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SUDDEN VALLEY DIV 13 LOT 25 |
| Legal Range | 04 |
| Legal Township | 37 |
| Legal Section | 06 |
| Legal Subdivision | SUDDEN VALLEY DIV 13 |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 809 |
Source: Whatcom County records, as of April 2, 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 | 7 COLD SPRING LN, BELLINGHAM, WA 98229-7847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Oct 29, 2021 | Warranty Deed, Transfer · FHA Mortgage CHURCHILL MORTGAGE CORP |
| Sep 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| May 26, 2017 | Warranty Deed, Transfer · VA Mortgage BANK OF THE PACIFIC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on Record |
| Deed Sale | Oct 29, 2021 · Amount on Record |
| Prior Sale | Oct 29, 2021 · Amount on Record |
| Deed Document Number | 20214804 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 29, 2021 |
| Property Address | 7 COLD SPRING LN, BELLINGHAM, WA 98229-7847 |
| Document Number | 0001004804 |
| Map Reference | VOL 10 PG 116-118 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021-1004804 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,965.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 COLD SPRING LN, BELLINGHAM, WA 98229-7847 |
| Document Number | 0001004805 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021-1004805 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 10, 2020 |
| Property Address | 7 COLD SPRING LN, BELLINGHAM, WA 98229-7847 |
| Document Number | 2200901595 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 901595 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,037.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4005 E AVENUE S4 PALMDALE CA 935525102, PALMDALE, CA 93552-5102 |
| Document Number | 2200901596 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 901596 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 26, 2017 |
| Property Address | 7 COLD SPRING LN, BELLINGHAM, WA 98229-7847 |
| Document Number | 2170503280 |
| Instrument Date | May 5, 2017 |
| Instrument | 503280 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,149.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7 COLD SPRING LN BELLINGHAM WA 982297847, BELLINGHAM, WA 98229-7847 |
| Document Number | 2170503281 |
|---|---|
| Date | May 26, 2017 |
| Instrument | 503281 |
| Name | BANK OF THE PACIFIC |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98225 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2047 |
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,173.00 (+40.38%) | $567,056 (+17.02%) Land $136,944 Building $430,112 | $567,056 (+17.02%) Land $136,944 Building $430,112 |
| 2022 | $484,572 Land $117,024 Building $367,548 | $484,572 Land $117,024 Building $367,548 | |
| 2021 | $3,685.00 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people · EPA ID WA5395910 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 4 ppb (2023–2025) 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 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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