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Single Family ResidenceResidential
$728,503$263 / 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 93How 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 $238,525 on Nov 22, 2002

3900 RUSTON WAY

BELLINGHAM, WA 98226
4
Beds
3
Baths
2,767 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.
0.72 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$729K
$680K low$777K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$238,525 · Nov 22, 2002
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.$211,503
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$169,202
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.67%
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.$405,000
PEOPLES BANK · recorded Apr 23, 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.$112,000
KEY BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,039 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$860,613 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$273,121
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$587,492
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$860,613

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.40
38
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
86
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.42 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyWhatcom
Lot (acres)The size of the land the home sits on, from county records.0.72
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.Forced Air
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, Attached
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 · 490 ft²Patio · 1,321 ft²Porch · 40 ft²

Transaction History(1)

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
Northern Heights Elementary SchoolB-
Elementary · Grades PK–5 · 0.2 mi
H
Squalicum High SchoolA-
High · Grades 9–12 · 0.5 mi
M
Shuksan Middle SchoolB-
Middle · Grades 6–8 · 3.9 mi

District: Bellingham School District

Neighborhood · ZIP 98226These 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.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.211

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.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.49,590
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.433 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,457
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,792
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

3900 Ruston Way 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 75% of homes in Whatcom County
  • Costs less per square foot than 94% of homes in Bellingham 98226
  • Bigger than 92% of homes in Bellingham 98226
  • Has a bigger lot than 77% of homes in Whatcom County

What homes are worth in Bellingham 98226

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

This home
$253K$1.7M

This home is worth more than 71% of homes in Bellingham 98226.

How it measures up in Bellingham 98226

The dot is this home. The mark in the middle is the typical home in Bellingham 98226.

Estimated value$728,503
CheaperTypical $604,474Pricier

Pricier than 71% of homes nearby

Price per ft²$263
CheaperTypical $382Pricier

Pricier than 6% of homes nearby

Living area2,767 ft²
SmallerTypical 1,580 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.72 ac
SmallerTypical 0.26 acBigger

Bigger than 66% of homes nearby

Year built1990
OlderTypical 1994Newer

Newer than 42% of homes nearby

How 3900 Ruston Way ranks against every home in each area.
MeasureThis homeBellingham 98226Whatcom County
Estimated valuepricier than$728,50371% of homes75% of homes
Price per ft²pricier than$2636% of homes11% of homes
Living areabigger than2,767 ft²92% of homes92% of homes
Lot sizebigger than0.72 ac66% of homes77% of homes
Year builtnewer than199042% of homes52% of homes

About 3900 Ruston Way

How much is 3900 Ruston Way, Bellingham, WA worth?

The TopHap Estimate for 3900 Ruston Way, Bellingham, WA is $728,503 as of Jul 14, 2026. The likely range is $680,009 to $776,997. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3900 Ruston Way, Bellingham, WA last sell?

3900 Ruston Way, Bellingham, WA last sold on Nov 22, 2002 for $238,525, according to the county's recorded deed.

How big is 3900 Ruston Way, Bellingham, WA?

3900 Ruston Way, Bellingham, WA has 4 bedrooms, 3 bathrooms, 2,767 square feet of living space and a 0.72-acre lot.

When was 3900 Ruston Way, Bellingham, WA built?

3900 Ruston Way, Bellingham, WA was built in 1990, making it 36 years old. It is a split level home. The building has 2 stories.

What schools serve 3900 Ruston Way, Bellingham, WA?

3900 Ruston Way, Bellingham, WA is assigned to Northern Heights Elementary School (elementary), rated B-; Squalicum High School (high), rated A-; Shuksan Middle School (middle), rated B-. All sit in Bellingham School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3900 Ruston Way, Bellingham, WA compare to other homes in Bellingham 98226?

Among the 15,264 homes in Bellingham 98226, it is worth more than 71% of them ($728,503 against a typical $604,474), its price per square foot is higher than 6% of them ($263 against a typical $382), it is bigger than 92% of them (2,767 ft² against a typical 1,580 ft²), its lot is bigger than 66% of them (0.72 ac against a typical 0.26 ac) and it is newer than 42% of them (1990 against a typical 1994). Measured against all of Whatcom County, it is worth more than 75% 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 3900 Ruston Way, Bellingham, WA?

The 2024 property tax bill for 3900 Ruston Way, Bellingham, WA was $7,039. The county assessed it at $860,613.

Closest homes

More homes in Bellingham 98226

Assigned schools

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