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Single Family ResidenceResidential
$914,795$624 / 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 90How 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

400 S GARDEN ST

BELLINGHAM, WA 98225
2
Beds
3 / 1
Baths
1,467 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.
3,485 ft²
Lot SizeThe size of the land the home sits on, from county records.
1938
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

$915K
$824K low$1M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,508 (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.$1,162,529 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$664,924
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$497,605
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,162,529

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.
11
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
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.0.08
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.Porch · 32 ft²

Transaction History(3)

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
Lowell Elementary SchoolA-
Elementary · Grades PK–5 · 0.5 mi
H
Sehome High SchoolA-
High · Grades 9–12 · 0.8 mi
M
Fairhaven Middle SchoolA-
Middle · Grades 6–8 · 1.2 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%

Owner Tools

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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

400 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.

  • Worth more than 85% of homes in Whatcom County
  • Costs more per square foot than 93% of homes in Whatcom County
  • Has a smaller lot than 95% of homes in South Hill
  • Older than 87% 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
$259K$1.6M

This home is worth more than 84% 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$914,795
CheaperTypical $620,241Pricier

Pricier than 84% of homes nearby

Price per ft²$624
CheaperTypical $475Pricier

Pricier than 86% of homes nearby

Living area1,467 ft²
SmallerTypical 1,396 ft²Bigger

Bigger than 55% of homes nearby

Lot size3,485 ft²
SmallerTypical 0.16 acBigger

Bigger than 5% of homes nearby

Year built1938
OlderTypical 1950Newer

Newer than 44% of homes nearby

How 400 S Garden St ranks against every home in each area.
MeasureThis homeSouth HillBellingham 98225Whatcom County
Estimated valuepricier than$914,79546% of homes84% of homes85% of homes
Price per ft²pricier than$62474% of homes86% of homes93% of homes
Living areabigger than1,467 ft²36% of homes55% of homes48% of homes
Lot sizebigger than3,485 ft²5% of homes5% of homes6% of homes
Year builtnewer than193839% of homes44% of homes13% of homes

About 400 S Garden St

How much is 400 S Garden St, Bellingham, WA worth?

The TopHap Estimate for 400 S Garden St, Bellingham, WA is $914,795 as of Sep 24, 2026. The likely range is $824,342 to $1,005,248. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 400 S Garden St, Bellingham, WA last sell?

400 S Garden St, Bellingham, WA last sold on Oct 18, 2002, according to the county's recorded deed.

How big is 400 S Garden St, Bellingham, WA?

400 S Garden St, Bellingham, WA has 2 bedrooms, 3 bathrooms, 1,467 square feet of living space and a 0.08-acre lot.

When was 400 S Garden St, Bellingham, WA built?

400 S Garden St, Bellingham, WA was built in 1938, making it 88 years old. It is a split level home. The building has 2 stories.

What schools serve 400 S Garden St, Bellingham, WA?

400 S Garden St, Bellingham, WA is assigned to Lowell Elementary School (elementary), rated A-; Sehome High School (high), 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 400 S Garden St, Bellingham, WA compare to other homes in Bellingham 98225?

Among the 12,793 homes in Bellingham 98225, it is worth more than 84% of them ($914,795 against a typical $620,241), its price per square foot is higher than 86% of them ($624 against a typical $475), it is bigger than 55% of them (1,467 ft² against a typical 1,396 ft²), its lot is bigger than 5% of them (3,485 ft² against a typical 0.16 ac) and it is newer than 44% of them (1938 against a typical 1950). Measured against all of Whatcom County, it is worth more than 85% 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 400 S Garden St, Bellingham, WA?

The 2024 property tax bill for 400 S Garden St, Bellingham, WA was $9,508. The county assessed it at $1,162,529.

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