980 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 980 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,919 sqft · built 1985
Lot Size	5.21 acres (227,383 sqft)
Owner	Individual Name on File
Tax Bill	$5,574 (2025)
Deeds & Mortgages	Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109630`

Property Details

APN / Parcel Number

Primary APN	`109630`
Alternative APNs	`390328 114095 0000` `104539`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,919 sqft Living Area
1st Floor Area	2,098 sqft
2nd Floor Area	1,740 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1985
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	227,383 sqft (5.21 acres)
Garage Type	Attached
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces
Deck Area	156 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	109630
Street Address	980 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 2 LAUREL SHORT PLAT AS REC BOOK 7 SHORT PLATS PG 50
Legal Range	03
Legal Township	39
Legal Section	28
Legal Subdivision	LAUREL SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2033
Census Tract	10701

Owner

Source: Whatcom County records · APN 109630

Assessment roll updated May 31, 2025 · Last verified March 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 File
Mailing Address	980 E SMITH RD, BELLINGHAM, WA 98226-9765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	980 E SMITH RD, BELLINGHAM, WA 98226-9765
Document Number	2170100013
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 E SMITH RD BELLINGHAM WA 982269765, BELLINGHAM, WA 98226-9765

Mortgage

Document Number	2170100013
Date	Jan 03, 2017
Instrument	100013

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 02, 2032

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,574.00 (+20.75%)	$635,983 (-2.83%) Land $283,345 Building $352,638	$635,983 (-2.83%) Land $283,345 Building $352,638
2022		$654,489 Land $347,419 Building $307,070	$654,489 Land $347,419 Building $307,070
2021	$4,616.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), as of May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile USA.

Based on FCC filings for 14 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system WA5318418, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DEER CREEK WATER ASSOC. private · serves 2,000 people
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.