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Single Family ResidenceResidential
$2,005,622$440 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $2,845,000 on May 19, 2022

165 S GARDEN ST

BELLINGHAM, WA 98225
3
Beds
5.5
Baths
4,557 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1958
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$2M
$1.7M low$2.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,845,000 · May 19, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$16,196 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,951,169 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$809,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,142,069
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,059,046
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,951,169

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.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
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.Single Family Residence
CountyWHATCOM
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2014
Lot (acres)The size of the land the home sits on, from county records.0.37
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 1,083 ft²Porch · 168 ft²

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 0.7 mi
E
Lowell Elementary SchoolA-
Elementary · Grades PK–5 · 0.7 mi
M
Fairhaven Middle SchoolA-
Middle · Grades 6–8 · 1.4 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%

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

How this home compares

165 S Garden St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in South Hill
  • Costs less per square foot than 80% of homes in South Hill
  • Among the largest homes in Bellingham 98225
  • Has a bigger lot than 89% of homes in South Hill
  • Older than 81% of homes in Whatcom County

What homes are worth in Bellingham 98225

Each bar is how many homes fall in that price range. The marker is this home.

This home
$265K$1.7M

This home is worth more than almost all homes in Bellingham 98225.

How it measures up in Bellingham 98225

The dot is this home. The mark in the middle is the typical home in Bellingham 98225.

Estimated value$2,005,622
CheaperTypical $620,939Pricier

Pricier than almost all homes nearby

Price per ft²$440
CheaperTypical $474Pricier

Pricier than 39% of homes nearby

Living area4,557 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than almost all homes nearby

Lot size0.37 ac
SmallerTypical 0.16 acBigger

Bigger than 80% of homes nearby

Year built1958
OlderTypical 1950Newer

Newer than 57% of homes nearby

How 165 S Garden St ranks against every home in each area.
MeasureThis homeSouth HillBellingham 98225Whatcom County
Estimated valuepricier than$2,005,622almost all homesalmost all homesalmost all homes
Price per ft²pricier than$44020% of homes39% of homes67% of homes
Living areabigger than4,557 ft²98% of homesalmost all homesalmost all homes
Lot sizebigger than0.37 ac89% of homes80% of homes66% of homes
Year builtnewer than195849% of homes57% of homes19% of homes

About 165 S Garden St

How much is 165 S Garden St, Bellingham, WA worth?

The TopHap Estimate for 165 S Garden St, Bellingham, WA is $2,005,622 as of Sep 24, 2026. The likely range is $1,741,157 to $2,270,087. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 165 S Garden St, Bellingham, WA last sell?

165 S Garden St, Bellingham, WA last sold on May 19, 2022 for $2,845,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 165 S Garden St, Bellingham, WA?

165 S Garden St, Bellingham, WA has 3 bedrooms, 5.5 bathrooms, 4,557 square feet of living space and a 0.37-acre lot.

When was 165 S Garden St, Bellingham, WA built?

165 S Garden St, Bellingham, WA was built in 1958, making it 68 years old. The building has 2 stories.

What schools serve 165 S Garden St, Bellingham, WA?

165 S Garden St, Bellingham, WA is assigned to Sehome High School (high), rated A-; Lowell Elementary School (elementary), rated A-; Fairhaven Middle School (middle), rated A-. All sit in Bellingham School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 165 S Garden St, Bellingham, WA compare to other homes in Bellingham 98225?

Among the 12,797 homes in Bellingham 98225, it is worth more than almost all of them ($2,005,622 against a typical $620,939), its price per square foot is higher than 39% of them ($440 against a typical $474), it is bigger than almost all of them (4,557 ft² against a typical 1,392 ft²), its lot is bigger than 80% of them (0.37 ac against a typical 0.16 ac) and it is newer than 57% of them (1958 against a typical 1950). Measured against all of Whatcom County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 165 S Garden St, Bellingham, WA?

The 2026 property tax bill for 165 S Garden St, Bellingham, WA was $16,196. The county assessed it at $1,951,169.

More homes on S Garden St

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