Skip to content
Skip to content
TopHapOpen in map
CondominiumResidential

431 N State St

BELLINGHAM, WA 98225
1954
Year BuiltThe year the home was originally built, according to county records.
Built 19547 units1,170–1,729 ft²
$4.7M
All units combinedThe sum of our current value estimates for every unit in the building — roughly what the whole building's homes are worth together.
$687K
Median unit valueThe middle unit value in this building by our estimate: half the units are worth more, half less.
$428
Median $/ft²The middle price per square foot across the building's units, by our current estimates. Useful for comparing units of different sizes.

-10.9%vs the Bellingham ZIP median sale $/ft² ($480)

Sales Performance

$735K
Median sale (12 mo)The middle sale price among this building's units that sold in the last 12 months, from recorded deeds.
—
1-yr changeHow the building's median sale price over the last 12 months compares with the 12 months before that.
1
Sales (12 mo)Units in this building that sold in the last 12 months, from recorded arms-length deeds.
14.3%
Turnover (12 mo)The share of units that changed hands in the last 12 months. Around 4–6% a year is typical; much higher can signal investor churn or a wave of exits.
This building's own appreciationThe building's own appreciation: for every unit that sold twice (held over a year), we compute its yearly price change between the two sales and take the middle value. This is the cleanest read on how this specific building performs, because it compares each unit to itself.
+2.1%per yeartypical hold 9.4 yrsfrom 5 same-unit resales
Median sale price (yearly, all time)Every recorded arms-length sale in the building since records begin, grouped by year: the bars count sales and the line tracks the median price paid.MedianSales
19992002200620072009201120192025
Sale price per ft² (yearly, all time)The middle price per square foot across the building's units, by our current estimates. Useful for comparing units of different sizes.$/ft²
19992002200620072009201120192025

12 arms-length sales on record for this building.

Unit Mix & Floor PlansThe building's recurring floor plans, found by grouping units with identical beds, baths and square footage in county records. Larger groups are the building's standard layouts; leftover units have one-off sizes.

Studio
1 unit
2 bed
5 units
3 bed
1 unit
Recurring floor plansThe building's recurring floor plans, found by grouping units with identical beds, baths and square footage in county records. Larger groups are the building's standard layouts; leftover units have one-off sizes.
2 bd · 2 ba · 1,635 ft²
2 units
One-off layouts
5 units

Value DistributionHow the building's units spread across value ranges by our current estimates. A wide spread usually means big differences in size, floor or view.

$569K–$593K
2 units
$679K–$687K
2 units
$713K–$713K
1 unit
$731K–$731K
1 unit
$775K–$775K
1 unit

Ownership & Financing

Owner-occupiedThe share of units where the owner lives in the unit, per county records. The rest are second homes or rentals.71%
Company-ownedUnits owned through an LLC, trust, or other company — a rough proxy for investor ownership.0%
Typical owner tenureThe middle number of years since each unit last changed hands — how long the current owners have been in place.9.5 yrs
Cash purchases (5 yrs)The share of purchases in the last 5 years with no mortgage recorded. High cash share is common in second-home and investor buildings.100%
Avg. loan-to-valueAverage current loan balance against unit value across the building. Low numbers mean owners hold lots of equity — a sign of financial stability.53%
Median owner equityThe middle dollar amount of equity (value minus loans) unit owners hold in this building.$729,461
Median tax billThe middle annual property tax bill among the building's units.$6,773
Pre-foreclosure noticesUnits with an active pre-foreclosure or foreclosure notice on file.0

Recent SalesThe latest recorded arms-length sales in the building, newest first.

Unit 6Nov 7, 2025$735,000Unit 1Jul 8, 2019$480,000Unit 5May 16, 2019$559,000Unit 2Apr 18, 2017$376,000Unit 4Oct 25, 2011$425,000Unit 6Jun 1, 2009$420,280Unit 1May 25, 2007$425,000Unit 5Oct 12, 2006$500,000Unit 3Mar 14, 2005$334,000Unit 4Jun 3, 2002$348,903

Values are TopHap estimates, not appraisals. Sales, ownership and tax figures come from recorded county documents via ATTOM and can lag by several weeks.

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
2
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
48
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
CountyWhatcom
HeatingThe type of heating system in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Sehome High SchoolA-
High · Grades 9–12 · 1.0 mi
E
Lowell Elementary SchoolA-
Elementary · Grades PK–5 · 1.2 mi
M
Fairhaven Middle SchoolA-
Middle · Grades 6–8 · 1.9 mi

District: Bellingham School District

Neighborhood · ZIP 98225These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.213

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.47,186
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,199 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,442
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,004
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.43%

All UnitsEvery property record the county has at this street address, such as the units in a condo building. Prices shown are our estimates, not asking prices.

431 N State St Apt 1
2 bd · 2 ba · 1,729 ft²
$569K
431 N State St # 2
2 bd · 2 ba · 1,638 ft²
$687K
431 N State St Apt 3
2 bd · 2 ba · 1,635 ft²
$713K
431 N State St Apt 4
2 bd · 2 ba · 1,635 ft²
$775K
431 N State St Apt 5
2 bd · 2 ba · 1,618 ft²
$679K
431 N State St # 6
3 bd · 2 ba · 1,170 ft²
$593K
431 N State St # 6
$731K

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

About 431 N State St

How many units are in 431 N State St, Bellingham, WA?

431 N State St, Bellingham, WA has 7 residential units across built in 1954, according to county assessor records.

What is a unit at 431 N State St, Bellingham, WA worth?

The median TopHap Estimate across the 7 units at 431 N State St, Bellingham, WA is $687,024. That works out to $428 per square foot. Units run from 1,170 to 1,729 square feet. Estimates are modelled from recorded sales and assessments, not appraisals.

Is 431 N State St, Bellingham, WA expensive for Bellingham?

Units at 431 N State St, Bellingham, WA carry a median of $428 per square foot, 11% below the Bellingham median of $480 per square foot.

How often do units sell at 431 N State St, Bellingham, WA?

1 units at 431 N State St, Bellingham, WA sold in the last 12 months, out of 12 recorded arms-length sales all time. That is a turnover rate of 14.3% of the building per year. The median sale over that period was $735K.

Have units at 431 N State St, Bellingham, WA appreciated?

Across 5 repeat sales of the same unit, 431 N State St, Bellingham, WA returned a median 2.1% per year. Because each pair is the same unit bought and sold, the figure is not distorted by which units traded. The median owner held for 9.4 years.

What floor plans does 431 N State St, Bellingham, WA have?

The most common plan at 431 N State St, Bellingham, WA is a 2-bedroom of 1,635 square feet, repeated 2 times, with a median estimate of $743,867. TopHap identifies 1 recurring plans in the building.

More homes on N State St Apt 1

Closest homes

More homes in Bellingham 98225

Assigned schools

Explore the area

See this home in context

Open 431 N State St Apt 1 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map