Whatcom County property record for 785 E Smith Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,503 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Jun 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 390332-380464-0000 |
| Primary APN | 390332-380464-0000 |
|---|---|
| Alternative APNs |
|
| Foundation Type | Concrete |
|---|---|
| Lot Area | 217,800 sqft (5 acres) |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 640 sqft |
| Account Number | 192282 |
|---|---|
| Street Address | 785 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | TR LY WI PTN OF NW NE DAF-ORCHARD PARK W 1/2 OF LOT 5-LESS RDS-TOG WI ESMT OVER W 30 FT OF N 1/2 OF LOT 5 FOR INGRESS-EGRESS-UTILITIES REC IN VOL 198-D-372-SUBJ TO PIPELINE ESMT REC AF 768569 |
| Legal Subdivision | ORCHARD PARK |
| Legal Lot Number | 5 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 785 E SMITH RD, BELLINGHAM, WA 98226-9781 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 25, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 25, 2026 |
| Transfer Doc | 0000002245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 2, 2026 |
| Property Address | 785 E SMITH RD, BELLINGHAM, WA 98226-9781 |
| Document Number | 0000000204 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 2026204 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 785 E SMITH RD, BELLINGHAM, WA 98226-9781 |
| Document Number | 0000000204, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 2026204 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 25, 2026 |
| Property Address | 785 E SMITH RD, BELLINGHAM, WA 98226-9781 |
| Document Number | 0000002245 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 20262245 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,010.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 785 E SMITH RD, BELLINGHAM, WA 98226-9781 |
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 | $6,503.00 (+162.64%) | ||
| 2025 | $2,476.00 | $697,035 Land $359,633 Building $337,402 | $697,035 Land $359,633 Building $337,402 |
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 | VICTOR WATER ASSOCIATION private · serves 43 people · EPA ID WA5391650 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2021 |
| Lead | 1 ppb (2021–2023) 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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