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4134 Squalicum Lake Road, Bellingham, WA, 98226

5beds
4baths
3,154sqft
$1,200,000
$380price/sqft
$7,001/moest. monthly cost
$280,040/yrincome needed

About This Home

Occasionally, a storybook home becomes available in one of Whatcom County’s most coveted settings. Tucked off Squalicum Lake Rd at the end of a winding driveway, this beautifully maintained 3,154 sqft 5(!) bed 3.5 bath home sits on 4.77 private acres with views of Squalicum and Stewart mountains. Classic architecture, a welcoming front porch and timeless Pottery Barn-inspired style create an inviting first impression. Inside, the open main level features a spacious living room, sunroom and dining area, and a comfortable kitchen designed for everyday living and entertaining. Radiant heat throughout, supported by a newer boiler and tankless H20 system, ensures year-round comfort. Fresh interior paint and refinished hardwood floors enhance the move-in-ready appeal. Upstairs, the generous primary suite includes a remodeled spa-like bath, while 3 additional bedrooms offer flexibility for guests or office space. The lower level adds a large bonus room, bedroom, full bath and access to the patio and backyard. Recent updates include a new deck, siding, exterior paint, and a newer roof and gutters allowing buyers to settle in with added peace of mind. A large detached garage with high ceilings and unfinished upper level offers potential for a studio or office. Don't miss the playground! Private and peaceful yet convenient, just minutes to Mt Baker Hwy and about 13 minutes to shopping, this special mid-county property offers space, character and versatility in an unforgettable setting.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
28
BikeSomewhat Bikeable

Schools

6/10
3/10
5/10

Construction

Condition

  • Property condition: Good
  • Year built: 1993

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Wood Siding,Cement Plank

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,2 Stories w/Bsmnt
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Refrigerator(s),Washer(s),Water Heater: Tank - Gas,Water Heater Location: Lower Mechanical Room

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Lower

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Central Vacuum,Dining Room
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Hardwood,Other,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Baseboard,Radiant,Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 3,154
  • Total interior livable area: 3,154 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Rec Room

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 3804073100500000
  • Zoning: R5A
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Built-In Vacuum,Dbl Pane/Storm Window,Dining Room,Fireplace,French Doors,Water Heater
  • Has view: Yes
  • View description: Mountain(s),Territorial
  • Topography of land: Level,Partial Slope
  • Residential vegetation: Brush,Fruit Trees,Garden Space,Pasture

Lot

  • Lot size: 4.77 Acres
  • Features: Open Lot,Paved,Secluded,Deck,Gas Available,Outbuildings,RV Parking,Shop
  • Lot size dimensions: 339' x 621' x 343' x 620'

Parking

  • Total spaces: 3
  • Parking features: Driveway,Detached Garage,Off Street,RV Parking
  • Has garage: Yes
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Avalanche
    AvalancheRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Avalanche
Ice Storm
Cold Wave
Earthquake
Landslide
Winter Weather

FEMA Declared Disasters in Whatcom County and Washington

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,067$72,804
Home Insurance *$218$2,616
Property Taxes $501$6,012
Electricity $215$2,588
Total$7,001$84,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$240,034/yr
40% on housing$210,030/yr
45% on housing$186,693/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$380This listing

vs Other Active Listings

Avg $/sqft

ZIP 98226$314
Whatcom County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 98226$392
Whatcom County$335

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Listed for sale$1,200,000
2005-09-09Sold$499,900

For Sale by Agent

AgentJason Loeb
BrokerageWindermere RE Whatcom, Inc.

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