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Single Family ResidenceResidential
$508,833$403 / 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 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $680,000 on Jul 15, 2022

3520 ARBOR ST

BELLINGHAM, WA 98229
2
Beds
1
Baths
1,262 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$509K
$403K low$615K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$680,000 · Jul 15, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,344 (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.$546,446 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$294,912
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$251,534
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$530,537
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$546,446

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.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
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.
92
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.1958
Lot (acres)The size of the land the home sits on, from county records.0.21
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.Deck · 354 ft²

Transaction History(2)

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.

M
Kulshan Middle SchoolA+
Middle · Grades 6–8 · 0.3 mi
E
Carl Cozier Elementary SchoolB+
Elementary · Grades PK–5 · 1.6 mi
H
Sehome High SchoolA
High · Grades 9–12 · 2.9 mi

District: Bellingham School District

Neighborhood · ZIP 98229These 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.82
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.212

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
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.34,514
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.616 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,315
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,782
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.57 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

3520 Arbor 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 less than 66% of homes in Bellingham 98229
  • Costs more per square foot than 69% of homes in Whatcom Falls
  • Smaller than 77% of homes in Whatcom Falls
  • Older than 91% of homes in Bellingham 98229

What homes are worth in Bellingham 98229

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

This home
$247K$1.9M

This home is worth more than 34% of homes in Bellingham 98229.

How it measures up in Bellingham 98229

The dot is this home. The mark in the middle is the typical home in Bellingham 98229.

Estimated value$508,833
CheaperTypical $618,136Pricier

Pricier than 34% of homes nearby

Price per ft²$403
CheaperTypical $371Pricier

Pricier than 62% of homes nearby

Living area1,262 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.21 ac
SmallerTypical 0.25 acBigger

Bigger than 39% of homes nearby

Year built1954
OlderTypical 1989Newer

Newer than 9% of homes nearby

How 3520 Arbor St ranks against every home in each area.
MeasureThis homeWhatcom FallsBellingham 98229Whatcom County
Estimated valuepricier than$508,83337% of homes34% of homes44% of homes
Price per ft²pricier than$40369% of homes62% of homes67% of homes
Living areabigger than1,262 ft²23% of homes25% of homes34% of homes
Lot sizebigger than0.21 ac38% of homes39% of homes44% of homes
Year builtnewer than195417% of homes9% of homes17% of homes

About 3520 Arbor St

How much is 3520 Arbor St, Bellingham, WA worth?

The TopHap Estimate for 3520 Arbor St, Bellingham, WA is $508,833 as of Aug 30, 2026. The likely range is $402,837 to $614,829. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3520 Arbor St, Bellingham, WA last sell?

3520 Arbor St, Bellingham, WA last sold on Jul 15, 2022 for $680,000, according to the county's recorded deed.

How big is 3520 Arbor St, Bellingham, WA?

3520 Arbor St, Bellingham, WA has 2 bedrooms, 1 bathrooms, 1,262 square feet of living space and a 0.21-acre lot.

When was 3520 Arbor St, Bellingham, WA built?

3520 Arbor St, Bellingham, WA was built in 1954, making it 72 years old. The building has 1 story.

What schools serve 3520 Arbor St, Bellingham, WA?

3520 Arbor St, Bellingham, WA is assigned to Kulshan Middle School (middle), rated A+; Carl Cozier Elementary School (elementary), rated B+; Sehome 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 3520 Arbor St, Bellingham, WA compare to other homes in Bellingham 98229?

Among the 12,433 homes in Bellingham 98229, it is worth more than 34% of them ($508,833 against a typical $618,136), its price per square foot is higher than 62% of them ($403 against a typical $371), it is bigger than 25% of them (1,262 ft² against a typical 1,632 ft²), its lot is bigger than 39% of them (0.21 ac against a typical 0.25 ac) and it is newer than 9% of them (1954 against a typical 1989). Measured against all of Whatcom County, it is worth more than 44% 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 3520 Arbor St, Bellingham, WA?

The 2025 property tax bill for 3520 Arbor St, Bellingham, WA was $4,344. The county assessed it at $546,446.

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