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Single Family ResidenceResidential
$656,173$453 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $240,280 on Oct 6, 2005

2712 RUSSELL ST

BELLINGHAM, WA 98225
3
Beds
2
Baths
1,447 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$656K
$595K low$717K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$240,280 · Oct 6, 2005
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$277,503
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$222,002
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.61%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$351,700
SAVIBANK · recorded Dec 20, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$26,970
WEST CAPITAL LENDING INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,269 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$662,940 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$253,696
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$409,244
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$643,625
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$662,940

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.29
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
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.1969
Lot (acres)The size of the land the home sits on, from county records.0.10
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Porch · 114 ft²

Transaction History(6)

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.

E
Parkview Elementary SchoolB-
Elementary · Grades PK–5 · 0.4 mi
M
Whatcom Middle SchoolA
Middle · Grades 6–8 · 0.5 mi
H
Bellingham High SchoolA
High · Grades 9–12 · 0.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

2712 Russell 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.

  • Worth more than 65% of homes in Whatcom County
  • Costs more per square foot than 75% of homes in Whatcom County
  • Has a smaller lot than 90% of homes in Cornwall Park
  • Older than 91% 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
$251K$1.7M

This home is worth more than 62% of 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$656,173
CheaperTypical $590,688Pricier

Pricier than 62% of homes nearby

Price per ft²$453
CheaperTypical $448Pricier

Pricier than 52% of homes nearby

Living area1,447 ft²
SmallerTypical 1,374 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.1 ac
SmallerTypical 0.16 acBigger

Bigger than 17% of homes nearby

Year built1925
OlderTypical 1950Newer

Newer than 33% of homes nearby

How 2712 Russell St ranks against every home in each area.
MeasureThis homeCornwall ParkBellingham 98225Whatcom County
Estimated valuepricier than$656,17364% of homes62% of homes65% of homes
Price per ft²pricier than$45350% of homes52% of homes75% of homes
Living areabigger than1,447 ft²58% of homes55% of homes47% of homes
Lot sizebigger than0.1 ac10% of homes17% of homes11% of homes
Year builtnewer than192538% of homes33% of homes9% of homes

About 2712 Russell St

How much is 2712 Russell St, Bellingham, WA worth?

The TopHap Estimate for 2712 Russell St, Bellingham, WA is $656,173 as of Jul 14, 2026. The likely range is $594,922 to $717,424. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2712 Russell St, Bellingham, WA last sell?

2712 Russell St, Bellingham, WA last sold on Oct 6, 2005 for $240,280, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 2712 Russell St, Bellingham, WA?

2712 Russell St, Bellingham, WA has 3 bedrooms, 2 bathrooms, 1,447 square feet of living space and a 0.10-acre lot.

When was 2712 Russell St, Bellingham, WA built?

2712 Russell St, Bellingham, WA was built in 1925, making it 101 years old. The building has 1 story.

What schools serve 2712 Russell St, Bellingham, WA?

2712 Russell St, Bellingham, WA is assigned to Parkview Elementary School (elementary), rated B-; Whatcom Middle School (middle), rated A; Bellingham High School (high), rated A. All sit in Bellingham School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2712 Russell St, Bellingham, WA compare to other homes in Bellingham 98225?

Among the 12,558 homes in Bellingham 98225, it is worth more than 62% of them ($656,173 against a typical $590,688), its price per square foot is higher than 52% of them ($453 against a typical $448), it is bigger than 55% of them (1,447 ft² against a typical 1,374 ft²), its lot is bigger than 17% of them (0.1 ac against a typical 0.16 ac) and it is newer than 33% of them (1925 against a typical 1950). Measured against all of Whatcom County, it is worth more than 65% of 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 2712 Russell St, Bellingham, WA?

The 2025 property tax bill for 2712 Russell St, Bellingham, WA was $5,269. The county assessed it at $662,940.

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