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504 E Smith Road, Bellingham, WA, 98226

4beds
1baths
1,542sqft
$1,900,000
$1,232price/sqft
$10,562/moest. monthly cost
$422,480/yrincome needed

About This Home

Welcome to Ridgeview Equestrian Center, a premier horse boarding facility with space for up to 37 horses. It is conveniently located between Bellingham and Lynden, close to I-5 and the Canadian border. Our secure, safe fencing and custom panels ensure your horse’s safety, while the large outdoor and covered arenas provide ample space for training and riding in any weather. Enjoy a convenient wash bay and ample room for parking. Our updated, climate-controlled office space and viewing room provides a place for owners to relax while observing their horses. Whether for training or leisure, Ridgeview provides a top-tier environment for both horses and riders alike on 19 acres of pasture and trails.

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
32
BikeSomewhat Bikeable

Schools

6/10
7/10
Meridian Middle SchoolGrades 6-82.5 mi
5/10
Meridian High SchoolGrades 9-121.9 mi

Construction

Condition

  • Property condition: Average
  • Year built: 1905

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Metal/Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: 2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Refrigerator(s),Water Heater: Electrip,Water Heater Location: Base of Stairs

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Flooring: Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,542
  • Total interior livable area: 1,542 sqft

Property

Details

  • Parcel number: 390329020140
  • Zoning: R5
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Fireplace,Water Heater
  • Has view: Yes
  • View description: Bay,Territorial
  • Has water view: Yes
  • Water view: Bay
  • Topography of land: Equestrian,Partial Slope,Rolling
  • Residential vegetation: Brush,Fruit Trees,Garden Space,Pasture

Lot

  • Lot size: 19.70 Acres
  • Features: Open Lot,Arena-Indoor,Arena-Outdoor,Barn,Fenced-Partially,Gated Entry,Outbuildings,RV Parking,Shop,Stable

Parking

  • Total spaces: 6
  • Parking features: Driveway,Off Street,RV Parking
  • Covered spaces: 6

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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Inland Flooding
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 $9,607$115,284
Home Insurance *$345$4,140
Property Taxes $461$5,532
Electricity $149$1,793
Total$10,562$126,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$362,125/yr
40% on housing$316,860/yr
45% on housing$281,653/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

$1,232This listing

vs Other Active Listings

Avg $/sqft

ZIP 98226$308
Whatcom County$299

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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Price change$1,900,000
2025-09-22Listed for sale$2,275,000
2024-09-27Sold$975,000
2024-08-23Pending sale$975,000
2024-08-12Listed for sale$975,000

For Sale by Agent

AgentGeorge Hoksbergen
BrokerageWindermere RE Whatcom, Inc.

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