705 12th St, Bellingham, WA 98225 Property Records

Whatcom County property record for 705 12th St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,289 sqft · built 1890
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Owner Names on Record
Last Sale	$450,280 (May 2013)
Tax Bill	$12,111 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`503701`

Property Details

APN / Parcel Number

Primary APN	`503701`
Alternative APNs	`370201 134394 0000` `15920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,289 sqft Living Area
1st Floor Area	978 sqft
2nd Floor Area	592 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Mixed
Garage Area	1,045 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	220 sqft
Deck Area	166 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	503701
Street Address	705 12TH ST
City	BELLINGHAM
State	WA
Zip	98225-6210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	TOWN OF BELLINGHAM N 1/2 OF LOT 8-LOTS 9-10 BLK 18
Legal Range	02
Legal Township	37
Legal Section	01
Legal Subdivision	TOWN OF BELLINGHAM
Legal Block	18
Legal Lot Number	8 10
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1050
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 Owner Names on Record
Mailing Address	705 12TH ST, BELLINGHAM, WA 98225-6210
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2013 · Amount on Record
Deed Sale	May 24, 2013 · Amount on Record
Deed Document Number	2130503838
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	705 12TH ST, BELLINGHAM, WA 98225-6210
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210302002
Date	Mar 10, 2021
Instrument	2021-0302002

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	705 12TH ST, BELLINGHAM, WA 98225-6210
Document Number	2171000333
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 12TH ST BELLINGHAM WA 982256210, BELLINGHAM, WA 98225-6210

Mortgage

Document Number	2171000333
Date	Oct 4, 2017
Instrument	1000333

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

Interest

Rate Type	Adjustable Rate

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	$12,111.00 (+97.18%)	$1,480,925 (+29.73%) Land $604,500 Building $876,425	$1,480,925 (+29.73%) Land $604,500 Building $876,425
2022		$1,141,500 Land $521,220 Building $620,280	$1,141,500 Land $521,220 Building $620,280
2021	$6,142.00

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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