Whatcom County property record for 997 E Laurel Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,524 sqft · built 2018 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $209,000 (May 2007) |
| Tax Bill | $8,373 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 43600 |
| Primary APN | 43600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,524 sqft Living Area |
| 1st Floor Area | 840 sqft |
| 2nd Floor Area | 1,684 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Mixed |
| Garage Area | 2,664 sqft |
| Parking Spaces | 9 Parking Spaces |
| Deck Area | 102 sqft |
|---|---|
| Patio Area | 500 sqft |
| Balcony | Balcony |
| Balcony Area | 160 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 43600 |
|---|---|
| Street Address | 997 E LAUREL RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | THAT PTN OF NW SW DAF-BEG AT INTERS OF E LI OF HANNEGAN RD-S LI OF E LAUREL RD-TH E ALG SD S LI OF E LAUREL RD 801 FT TO POB- |
| Legal Range | 03 |
| Legal Township | 39 |
| Legal Section | 21 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2013 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 997 E LAUREL RD, BELLINGHAM, WA 98226-9727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 19, 2022 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2007 · Amount on Record |
| Deed Sale | May 11, 2007 · Amount on Record |
| Prior Sale | May 11, 2007 · Amount on Record |
| Deed Document Number | 2070501908 |
| Last Transfer Date | Mar 5, 2009 |
| Transfer Doc | 2090300715 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 997 E LAUREL RD, BELLINGHAM, WA 98226-9727 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000800763 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 2021-0800763 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 997 E LAUREL RD, BELLINGHAM, WA 98226-9727 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 997 E LAUREL RD, BELLINGHAM, WA 98226-9727 |
| Document Number | 0000102040 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 2022-0102040 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | LYNDEN, WA 98264 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $8,373.00 (+45.09%) | $955,336 (+4.86%) Land $281,847 Building $673,489 | $955,336 (+4.86%) Land $281,847 Building $673,489 |
| 2022 | $911,074 Land $360,580 Building $550,494 | $911,074 Land $360,580 Building $550,494 | |
| 2021 | $5,771.00 |
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 | HEMMI ROAD WATER ASSOCIATION private · serves 236 people · EPA ID WA5332350 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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