Whatcom County property record for 826 E Smith Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,026 sqft · built 1935 |
| Lot Size | 4.52 acres (196,891 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,766 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 91092 |
| Primary APN | 91092 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,026 sqft Living Area |
| 1st Floor Area | 2,290 sqft |
| Attic | Attic |
| Attic Area | 432 sqft |
| Year Built | Built 1935 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 196,891 sqft (4.52 acres) |
| Garage Type | Attached |
| Garage Area | 544 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 264 sqft |
| Storage Building | 384 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 91092 |
|---|---|
| Street Address | 826 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | S 363 FT OF W 1/2 E 1/2 S 1/2 SE- EXC W 60 FT THEREOF-LESS RD-EXC PTN TO WHATCOM CO FOR RD DESC AF 960209015 |
| Legal Range | 03 |
| Legal Township | 39 |
| Legal Section | 29 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 10701 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 826 E SMITH RD, BELLINGHAM, WA 98226-9744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INDUSTRIAL CU |
| Nov 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage INDUSTRIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2002 |
| Deed Sale | Jul 29, 2002 |
| Deed Document Number | 2020704606 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 826 E SMITH RD, BELLINGHAM, WA 98226-9744 |
| Document Number | 2201202196 |
| Instrument Date | Dec 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 826 E SMITH RD BELLINGHAM WA 982269744, BELLINGHAM, WA 98226-9744 |
| Document Number | 2201202196 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 1202196 |
| Name | INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-1767 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 826 E SMITH RD, BELLINGHAM, WA 98226-9744 |
| Document Number | 2181101587 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 826 E SMITH RD BELLINGHAM WA 982269744, BELLINGHAM, WA 98226-9744 |
| Document Number | 2181101587 |
|---|---|
| Date | Nov 16, 2018 |
| Instrument | 1101587 |
| Name | INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-1767 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Meridian School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,766.00 (+227.64%) Senior Citizen's exemption | $201,608 (+2.31%) Land $123,136 Building $78,472 | $513,260 (+20.2%) Land $350,665 Building $162,595 |
| 2022 | $197,051 Land $123,136 Building $73,915 | $426,997 Land $295,786 Building $131,211 | |
| 2021 | $539.00 |
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
| 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.
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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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