Whatcom County property record for 960 W Smith Rd, Bellingham, WA 98226
| Property Type | General Agricultural/Rural |
|---|---|
| Details | 4 bd · 5 ba · 2,190 sqft · built 2003 |
| Lot Size | 5.26 acres (229,126 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $470,000 (Nov 2015) |
| Tax Bill | $8,114 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 525953 |
| Primary APN | 525953 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,190 sqft Total Area |
| 1st Floor Area | 3,350 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Metal |
| Lot Area | 229,126 sqft (5.26 acres) |
| Garage Type | Attached |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 321 sqft |
| Storage Building | 200 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air |
|---|
| Account Number | 525953 |
|---|---|
| Street Address | 960 W SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9610 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > General Agricultural/Rural |
| Local Zoning Code | R5A |
| Legal Description | LOT 2 AM KYLE AND NICOLE SHORT PLAT AS REC AF 2130103274 |
| Legal Range | 02 |
| Legal Township | 39 |
| Legal Section | 27 |
| Legal Subdivision | KYLE AND NICOLE SHORT PLAT |
| Legal Lot Number | 2 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 10600 |
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 960 W SMITH RD, BELLINGHAM, WA 98226-9610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Line of Credit NORTH COAST CU |
| May 4, 2018 | Deed of Trust, Mortgage · Line of Credit NORTH COAST CU |
| Apr 10, 2017 | Deed of Trust, Mortgage · Line of Credit NORTH COAST CU |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2015 · Amount on Record |
| Deed Sale | Nov 30, 2015 · Amount on Record |
| Prior Sale | Aug 31, 2015 · Amount on Record |
| Deed Document Number | 2015-1102896 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 960 W SMITH RD, BELLINGHAM, WA 98226-9610 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Address | 960 W SMITH RD, BELLINGHAM, WA 98226-9610 |
| Document Number | 0000502336 |
|---|---|
| Date | May 30, 2023 |
| Instrument | 2023-0502336 |
| Name | NORTH COAST CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 28, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 960 W SMITH RD, BELLINGHAM, WA 98226-9610 |
| Document Number | 2180500905 |
| Instrument Date | May 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 960 W SMITH RD BELLINGHAM WA 982269610, BELLINGHAM, WA 98226-9610 |
| Document Number | 2180500905 |
|---|---|
| Date | May 9, 2018 |
| Instrument | 500905 |
| Name | NORTH COAST CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 8, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 960 W SMITH RD, BELLINGHAM, WA 98226-9610 |
| Document Number | 2170401259 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 960 W SMITH RD BELLINGHAM WA 982269610, BELLINGHAM, WA 98226-9610 |
| Document Number | 2170401259 |
|---|---|
| Date | Apr 14, 2017 |
| Instrument | 401259 |
| Name | NORTH COAST CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 13, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,114.00 (+28.69%) | $1,043,994 (+12.04%) Land $303,151 Building $740,843 | $1,104,586 (-5.96%) Land $363,743 Building $740,843 |
| 2022 | $931,785 Land $85,535 Building $846,250 | $1,174,601 Land $328,351 Building $846,250 | |
| 2021 | $6,305.00 |
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 · 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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 19 (1989–2025) |
| Claims Outside the SFHA | 1 of 19 |
| Most Recent Claim | Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Washington |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | 4 ppb (2022–2024) 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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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