809 38th St, Bellingham, WA 98229 Property Records

Whatcom County property record for 809 38th St, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 1973
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Jan 2019)
Tax Bill	$5,592 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`558361`

Property Details

APN / Parcel Number

Primary APN	`558361`
Alternative APNs	`370306 499345 0000` `23184`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,409 sqft (0.216 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	558361
Street Address	809 38TH ST
City	BELLINGHAM
State	WA
Zip	98229-2936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS12.0
Legal Description	RIDGEMONT DIV NO 1 LOT 5 BLK 3
Legal Range	03
Legal Township	37
Legal Section	06
Legal Subdivision	RIDGEMONT DIV NO 1
Legal Block	3
Legal Lot Number	5
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1021
Census Tract	902

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	809 38TH ST, BELLINGHAM, WA 98229-2936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Jan 31, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Aug 23, 2015	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2019 · Amount on Record
Deed Sale	Jan 31, 2019 · Amount on Record
Prior Sale	Sep 8, 2005
Deed Document Number	2019-0102365
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	809 38TH ST, BELLINGHAM, WA 98229-2936
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000303271
Date	Mar 17, 2021
Instrument	2021-0303271

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	809 38TH ST, BELLINGHAM, WA 98229-2936
Document Number	2190803566
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	809 38TH ST BELLINGHAM WA 982292936, BELLINGHAM, WA 98229-2936

Mortgage

Document Number	2190803566
Date	Aug 28, 2019
Instrument	803566

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 31, 2019
Property Address	809 38TH ST, BELLINGHAM, WA 98229-2936
Document Number	2190102365
Instrument Date	Jan 15, 2019
Instrument	102365
Transaction Type	Transfer
Record Updated	Feb 8, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,460.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	809 38TH ST BELLINGHAM WA 982292936, BELLINGHAM, WA 98229-2936

Mortgage

Document Number	2190102366
Date	Jan 31, 2019
Instrument	102366

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2049

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	809 38TH ST, BELLINGHAM, WA 98229-2936
Document Number	2191100550
Instrument Date	Aug 23, 2015
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	809 38TH ST BELLINGHAM WA 982292936, BELLINGHAM, WA 98229-2936

Mortgage

Document Number	2191100550
Date	Nov 5, 2019
Instrument	1100550

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

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	$5,592.00 (+41.18%)	$683,767 (+20.17%) Land $290,000 Building $393,767	$683,767 (+20.17%) Land $290,000 Building $393,767
2022		$569,014 Land $253,164 Building $315,850	$569,014 Land $253,164 Building $315,850
2021	$3,961.00

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 · 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
Nearby Flood Policies	3 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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