711 12th St, Bellingham, WA 98225 Property Records

Whatcom County property record for 711 12th St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,916 sqft · built 1907
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$647,000 (Mar 2018)
Tax Bill	$8,740 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`549800`

Property Details

APN / Parcel Number

Primary APN	`549800`
Alternative APNs	`370201 134389 0000` `15919`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,916 sqft Living Area
1st Floor Area	1,036 sqft
2nd Floor Area	880 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	154 sqft
Deck Area	224 sqft
Patio Area	222 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	549800
Street Address	711 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 ALL LOT 7-S 1/2 OF LOT 8 BLK 18
Legal Range	02
Legal Township	37
Legal Section	01
Legal Subdivision	TOWN OF BELLINGHAM
Legal Block	18
Legal Lot Number	7
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

711 12th St is owned and occupied by two individuals who bought it in March 2018.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	711 12TH ST, BELLINGHAM, WA 98225-6210
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit INSPIRUS CU
Mar 16, 2018	Grant Deed, Transfer WELLS FARGO BK/TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2018 · Amount on File
Deed Sale	Mar 16, 2018 · Amount on File
Deed Document Number	2018-0301679
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	711 12TH ST, BELLINGHAM, WA 98225-6210
Document Number	2200502621
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	711 12TH ST BELLINGHAM WA 982256210, BELLINGHAM, WA 98225-6210

Mortgage

Document Number	2200502621
Date	May 22, 2020
Instrument	502621

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 21, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	711 12TH ST, BELLINGHAM, WA 98225-6210
Document Number	2190201674
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	711 12TH ST BELLINGHAM WA 982256210, BELLINGHAM, WA 98225-6210

Mortgage

Document Number	2190201674
Date	Feb 22, 2019
Instrument	201674

Lender

Name	INSPIRUS CU
Address	SEATTLE, WA 98111-0576

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 21, 2044

Interest

Rate Type	Adjustable Rate

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 16, 2018
Property Address	711 12TH ST, BELLINGHAM, WA 98225-6210
Document Number	2180301679
Instrument Date	Mar 7, 2018
Instrument	301679
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,521.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	711 12TH ST BELLINGHAM WA 982256210, BELLINGHAM, WA 98225-6210

Mortgage

Document Number	2180301680
Date	Mar 16, 2018
Instrument	301680

Lender

Name	WELLS FARGO BK/TX
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 711 12th St was $8,740.

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	$8,740.00	$1,068,684 Land $544,050 Building $524,634	$1,068,684 Land $544,050 Building $524,634
2022		$910,116 Land $506,328 Building $403,788	$910,116 Land $506,328 Building $403,788
2021	$6,509.00

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

Flood

FEMA maps place 711 12th 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

Wildfire risk around 711 12th St is low, with a 0.01% annual chance of 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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