715 13th St, Bellingham, WA 98225 Property Records

Whatcom County property record for 715 13th St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,004 sqft · built 1939
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,853 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`116397`

Property Details

APN / Parcel Number

Primary APN	`116397`
Alternative APNs	`370201 163383 0000` `16094`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,004 sqft Living Area
1st Floor Area	1,620 sqft
2nd Floor Area	384 sqft
Basement Area	330 sqft
Finished Basement	330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Built-Up Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	15 sqft
Deck Area	119 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	116397
Street Address	715 13TH ST
City	BELLINGHAM
State	WA
Zip	98225-6216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	TOWN OF BELLINGHAM LOTS 5-6 BLK 25
Legal Range	02
Legal Township	37
Legal Section	01
Legal Subdivision	TOWN OF BELLINGHAM
Legal Block	25
Legal Lot Number	5 6
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1051
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 Individual Names on Record
Mailing Address	715 13TH ST, BELLINGHAM, WA 98225-6216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Apr 27, 2026
Property Address	715 13TH ST, BELLINGHAM, WA 98225-6216
Document Number	0000002109
Instrument Date	Apr 21, 2026
Instrument	20262109
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 13TH ST, BELLINGHAM, WA 98225-6216

Mortgage

Document Number	0000002109,
Date	Apr 27, 2026
Instrument	20262109

Lender

Name	WHATCOM EDUCATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	715 13TH ST, BELLINGHAM, WA 98225-6216
Document Number	2200804532
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	MERIDIAN NATIONAL TITLE, MERIDIAN NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	715 13TH ST BELLINGHAM WA 982256216, BELLINGHAM, WA 98225-6216

Mortgage

Document Number	2200804532
Date	Aug 27, 2020
Instrument	804532

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

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	$7,853.00 (+38.45%)	$960,294 (+21.08%) Land $534,750 Building $425,544	$960,294 (+21.08%) Land $534,750 Building $425,544
2022		$793,133 Land $416,976 Building $376,157	$793,133 Land $416,976 Building $376,157
2021	$5,672.00

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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