Whatcom County property record for 8 River Ridge Loop, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,663 sqft · built 2002 |
| Owner | 2 Owner Names on File |
| Last Sale | $255,280 (Dec 2006) |
| Tax Bill | $4,232 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2023 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78155 |
| Primary APN | 78155 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,663 sqft Living Area |
| 1st Floor Area | 1,048 sqft |
| 2nd Floor Area | 615 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 40 sqft |
| Patio Area | 64 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 78155 |
|---|---|
| Street Address | 8 RIVER RIDGE LOOP |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SUDDEN VALLEY DIV 29 LOT 46 |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 01 |
| Legal Subdivision | SUDDEN VALLEY DIV 29 |
| Legal Lot Number | 46 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 809 |
Source: Whatcom County records · APN 78155
Assessment roll updated May 31, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY |
| Jul 24, 2023 | Deed of Trust, Mortgage · Line of Credit WASHINGTON STATE EMPLOYEES CU |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RECOVCO MTG MGMT LLC |
| Apr 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Aug 06, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Jun 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Aug 21, 2017 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 11, 2006 · Amount on Record |
| Deed Sale | Dec 11, 2006 · Amount on Record |
| Prior Sale | Feb 11, 2005 · Amount on Record |
| Deed Document Number | 2061201489 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 29, 2026 |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 0000002399 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20262399 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Document Number | 0000002399, |
|---|---|
| Date | Jul 29, 2026 |
| Instrument | 20262399 |
| Name | EVERGREEN MONEYSOURCE MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000701586 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | 2023-0701586 |
| Name | WASHINGTON STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | OLYMPIA, WA 98501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 10, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200804459 |
| Instrument Date | Aug 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2020 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 8 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200804459 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 804459 |
| Name | RECOVCO MTG MGMT LLC |
|---|---|
| Address | IRVING, TX 75038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2190402838 |
| Instrument Date | Apr 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 8 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2190402838 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 402838 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2180801021 |
| Instrument Date | Aug 06, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Address | B RIVER RIDGE LOOP BELLINGHAM WA 98229, BELLINGHAM, WA 98229 |
| Document Number | 2180801021 |
|---|---|
| Date | Aug 10, 2018 |
| Instrument | 801021 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 09, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2180700309 |
| Instrument Date | Jun 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 8 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2180700309 |
|---|---|
| Date | Jul 03, 2018 |
| Instrument | 700309 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 02, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 8 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2170803019 |
| Instrument Date | Aug 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 05, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 8 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2170803019 |
|---|---|
| Date | Aug 25, 2017 |
| Instrument | 803019 |
| Name | MR COOPER |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 24, 2047 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,232.00 (+36.56%) | $473,131 (+17.02%) Land $136,944 Building $336,187 | $473,131 (+17.02%) Land $136,944 Building $336,187 |
| 2022 | $404,309 Land $117,024 Building $287,285 | $404,309 Land $117,024 Building $287,285 | |
| 2021 | $3,099.00 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 194 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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