851 E McLeod Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 851 E McLeod Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,560 sqft · built 1964
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$429,000 (Apr 2017)
Tax Bill	$6,182 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`540043`

Property Details

APN / Parcel Number

Primary APN	`540043`
Alternative APNs	`380318 371250 0000` `61610`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,560 sqft Living Area
1st Floor Area	2,560 sqft
Basement Area	1,113 sqft
Unfinished Basement	1,113 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Built-Up Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	540043
Street Address	851 E MCLEOD RD
City	BELLINGHAM
State	WA
Zip	98226-8092
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	BEG ON E-W SEC C/L 630.36 FT E OF SEC CTR-TH S 01 DEG 09'30\ W 30 FT TO TPOB-TH S 88 DEG 50'30\ E ALG S RD LI 150 FT-TH S 01
Legal Range	03
Legal Township	38
Legal Section	18
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3009
Census Tract	102

Owner

851 E McLeod Rd is owned and occupied by two individuals who bought it in April 2017.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	851 E MCLEOD RD, BELLINGHAM, WA 98226-8092
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU
Sep 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE PACIFIC
Apr 3, 2017	Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017 · Amount on File
Deed Sale	Apr 3, 2017 · Amount on File
Prior Sale	Jan 21, 2009 · Amount on File
Deed Document Number	2017-0400034
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	851 E MCLEOD RD, BELLINGHAM, WA 98226-8092
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000602396
Date	Jun 22, 2022
Instrument	2022-0602396

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	851 E MCLEOD RD, BELLINGHAM, WA 98226-8092
Document Number	2190903572
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	851 E MCLEOD RD BELLINGHAM WA 982268092, BELLINGHAM, WA 98226-8092

Mortgage

Document Number	2190903572
Date	Sep 27, 2019
Instrument	903572

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 3, 2017
Property Address	851 E MCLEOD RD, BELLINGHAM, WA 98226-8092
Document Number	2170400034
Instrument Date	Mar 31, 2017
Instrument	400034
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,641.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	851 E MCLEOD RD BELLINGHAM WA 982268092, BELLINGHAM, WA 98226-8092

Mortgage

Document Number	2170400035
Date	Apr 3, 2017

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 851 E McLeod Rd was $6,182.

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	$6,182.00	$755,905 Land $315,135 Building $440,770	$755,905 Land $315,135 Building $440,770
2022		$653,038 Land $272,250 Building $380,788	$653,038 Land $272,250 Building $380,788
2021	$4,697.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 851 E McLeod Rd in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 851 E McLeod Rd is low, with a 0.01% annual chance of 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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, CenturyLink.

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