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Single Family ResidenceResidential
$1,227,423$416 / 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 86How 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

405 RIDGEWAY DR

BELLINGHAM, WA 98225
3
Beds
5 / 1
Baths
2,951 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.
1958
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.2M
$1.1M low$1.4M high
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.$787,423
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$629,938
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.37%
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.$390,000
E MORTGAGE CAPITAL INC · recorded Sep 30, 2020
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.$50,000
BANNER BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,578 (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.$1,415,618 (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.$750,694
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,415,618

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.
10
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
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
HeatingThe type of heating system in the home.Heat Pump
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.Mixed
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.Patio · 1,068 ft²Porch · 64 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.

H
Sehome High SchoolA
High · Grades 9–12 · 0.5 mi
E
Lowell Elementary SchoolA
Elementary · Grades PK–5 · 0.6 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%

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

405 Ridgeway Dr 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 95% of homes in Bellingham 98225
  • Costs less per square foot than 88% of homes in South Hill
  • Bigger than 95% of homes in Bellingham 98225
  • 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
$244K$1.5M

This home is worth more than 95% 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$1,227,423
CheaperTypical $591,141Pricier

Pricier than 95% of homes nearby

Price per ft²$416
CheaperTypical $447Pricier

Pricier than 39% of homes nearby

Living area2,951 ft²
SmallerTypical 1,385 ft²Bigger

Bigger than 95% of homes nearby

Year built1958
OlderTypical 1950Newer

Newer than 57% of homes nearby

How 405 Ridgeway Dr ranks against every home in each area.
MeasureThis homeSouth HillBellingham 98225Whatcom County
Estimated valuepricier than$1,227,42382% of homes95% of homes95% of homes
Price per ft²pricier than$41612% of homes39% of homes66% of homes
Living areabigger than2,951 ft²92% of homes95% of homes94% of homes
Year builtnewer than195848% of homes57% of homes19% of homes

About 405 Ridgeway Dr

How much is 405 Ridgeway Dr, Bellingham, WA worth?

The TopHap Estimate for 405 Ridgeway Dr, Bellingham, WA is $1,227,423 as of Jul 14, 2026. The likely range is $1,051,270 to $1,403,576. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 405 Ridgeway Dr, Bellingham, WA?

405 Ridgeway Dr, Bellingham, WA has 3 bedrooms, 5 bathrooms and 2,951 square feet of living space.

When was 405 Ridgeway Dr, Bellingham, WA built?

405 Ridgeway Dr, Bellingham, WA was built in 1958, making it 68 years old. It is a split level home. The building has 2 stories.

What schools serve 405 Ridgeway Dr, Bellingham, WA?

405 Ridgeway Dr, 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 405 Ridgeway Dr, Bellingham, WA compare to other homes in Bellingham 98225?

Among the 12,590 homes in Bellingham 98225, it is worth more than 95% of them ($1,227,423 against a typical $591,141), its price per square foot is higher than 39% of them ($416 against a typical $447), it is bigger than 95% of them (2,951 ft² against a typical 1,385 ft²) and it is newer than 57% of them (1958 against a typical 1950). Measured against all of Whatcom County, it is worth more than 95% 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 405 Ridgeway Dr, Bellingham, WA?

The 2024 property tax bill for 405 Ridgeway Dr, Bellingham, WA was $11,578. The county assessed it at $1,415,618.

Closest homes

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Assigned schools

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