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Single Family ResidenceResidential
$554,867$364 / 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 Aug 30, 2026
Last sold for $735,000 on Sep 28, 2022

521 40TH ST

BELLINGHAM, WA 98229
3
Beds
3 / 1
Baths
1,524 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
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

$555K
$507K low$603K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$735,000 · Sep 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,665 (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.$692,702 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$297,466
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$395,236
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$692,702

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.38
31
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
85
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.5 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.0.22
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 · 136 ft²Porch · 60 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.

H
Sehome High SchoolA
High · Grades 9–12 · 0.8 mi
E
Happy Valley Elementary SchoolB
Elementary · Grades PK–5 · 1.1 mi
M
Fairhaven Middle SchoolA-
Middle · Grades 6–8 · 2.0 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%

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

521 40th 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 84% of homes in Samish
  • Costs less per square foot than 70% of homes in Samish
  • Smaller than 70% of homes in Samish
  • Newer than 79% 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
$243K$1.8M

This home is worth more than 41% 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$554,867
CheaperTypical $616,585Pricier

Pricier than 41% of homes nearby

Price per ft²$364
CheaperTypical $370Pricier

Pricier than 47% of homes nearby

Living area1,524 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.22 ac
SmallerTypical 0.25 acBigger

Bigger than 40% of homes nearby

Year built2002
OlderTypical 1989Newer

Newer than 79% of homes nearby

How 521 40th St ranks against every home in each area.
MeasureThis homeSamishBellingham 98229Whatcom County
Estimated valuepricier than$554,86716% of homes41% of homes53% of homes
Price per ft²pricier than$36430% of homes47% of homes54% of homes
Living areabigger than1,524 ft²30% of homes44% of homes51% of homes
Lot sizebigger than0.22 ac38% of homes40% of homes45% of homes
Year builtnewer than200276% of homes79% of homes73% of homes

About 521 40th St

How much is 521 40th St, Bellingham, WA worth?

The TopHap Estimate for 521 40th St, Bellingham, WA is $554,867 as of Aug 30, 2026. The likely range is $507,097 to $602,637. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 40th St, Bellingham, WA last sell?

521 40th St, Bellingham, WA last sold on Sep 28, 2022 for $735,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 521 40th St, Bellingham, WA?

521 40th St, Bellingham, WA has 3 bedrooms, 3 bathrooms, 1,524 square feet of living space and a 0.22-acre lot.

When was 521 40th St, Bellingham, WA built?

521 40th St, Bellingham, WA was built in 2002, making it 24 years old. It is a split level home. The building has 2 stories.

What schools serve 521 40th St, Bellingham, WA?

521 40th St, Bellingham, WA is assigned to Sehome High School (high), rated A; Happy Valley Elementary School (elementary), rated B; 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 521 40th St, Bellingham, WA compare to other homes in Bellingham 98229?

Among the 12,426 homes in Bellingham 98229, it is worth more than 41% of them ($554,867 against a typical $616,585), its price per square foot is higher than 47% of them ($364 against a typical $370), it is bigger than 44% of them (1,524 ft² against a typical 1,624 ft²), its lot is bigger than 40% of them (0.22 ac against a typical 0.25 ac) and it is newer than 79% of them (2002 against a typical 1989). Measured against all of Whatcom County, it is worth more than 53% 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 521 40th St, Bellingham, WA?

The 2024 property tax bill for 521 40th St, Bellingham, WA was $5,665. The county assessed it at $692,702.

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