855 40th St, Bellingham, WA 98229 Property Records

Whatcom County property record for 855 40th St, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,248 sqft · built 2003
Lot Size	0.528 acres (23,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Apr 2019)
Tax Bill	$8,926 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`560289`

Property Details

APN / Parcel Number

Primary APN	`560289`
Alternative APNs	`370305 008311 0000` `21538`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,248 sqft Living Area
1st Floor Area	535 sqft
2nd Floor Area	1,450 sqft
Basement Area	535 sqft
Finished Basement	535 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	23,000 sqft (0.528 acres)
Garage Type	Built-in
Garage Area	833 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	47 sqft
Deck Area	465 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	560289
Street Address	855 40TH ST
City	BELLINGHAM
State	WA
Zip	98229-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS20.0
Legal Description	COOK'S ADD TO FAIRHAVEN LOTS 17 THRU 24 BLK 5-SUBJ TO COVENANT TO BIND PROPERTIES AF 2020600132
Legal Range	03
Legal Township	37
Legal Section	05
Legal Subdivision	COOK'S ADD
Legal Block	5
Legal Lot Number	17 18
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1016
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	855 40TH ST, BELLINGHAM, WA 98229-3022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MTG
Apr 22, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2019 · Amount on Record
Deed Sale	Apr 22, 2019 · Amount on Record
Prior Sale	Mar 23, 2011 · Amount on Record
Deed Document Number	2019-0402102
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	855 40TH ST, BELLINGHAM, WA 98229-3022
Document Number	2200601038
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	855 40TH ST BELLINGHAM WA 982293022, BELLINGHAM, WA 98229-3022

Mortgage

Document Number	2200601038
Date	Jun 8, 2020
Instrument	601038

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 22, 2019
Property Address	855 40TH ST, BELLINGHAM, WA 98229-3022
Document Number	2190402102
Instrument Date	Apr 18, 2019
Instrument	402102
Transaction Type	Transfer
Record Updated	Apr 30, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,952.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	855 40TH ST BELLINGHAM WA 982293022, BELLINGHAM, WA 98229-3022

Mortgage

Document Number	2190402103
Date	Apr 22, 2019
Instrument	402103

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 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	$8,926.00 (+45.68%)	$1,091,454 (+24.02%) Land $363,660 Building $727,794	$1,091,454 (+24.02%) Land $363,660 Building $727,794
2022		$880,084 Land $357,408 Building $522,676	$880,084 Land $357,408 Building $522,676
2021	$6,127.00

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	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.

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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