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1016 12th Street, Bellingham, WA, 98225

2beds
1baths
2,579sqft
$885,000
$343price/sqft
$5,375/moest. monthly cost
$215,000/yrincome needed

About This Home

Built in 1922, this iconic Fisherman's Craftsman Bungalow has been a quiet fixture of South Hill for more than a century. Freshly painted and thoughtfully preserved, it blends enduring character with craftsmanship that has stood the test of time. From its coveted location just moments from Historic Fairhaven, the Carnegie Library, waterfront trails, cafés, and local boutiques are part of your daily routine. Inside, rich period details create a warmth only a home of this era can offer, while one-level living makes everyday life effortless. A flexible bonus room is perfect for a home office, studio, or reading nook. Beneath the home, a 1,100 sq ft unfinished daylight basement offers abundant space for woodworking, tools, hobbies, and storage, while providing exciting potential for future finished living space. Just off the dining room, a private patio captures views of Bellingham Bay and the San Juan Islands, creating an unforgettable setting for morning coffee, sunset dinners, and summer entertaining. The backyard is a hidden sanctuary with established garden space and a mature apple tree where deer quietly bed down and raise their fawns each spring. Alley access leads to a covered carport, adding everyday convenience while preserving the home's timeless streetscape. This is a home that invites stewardship, offering its next owner the rare privilege of preserving a piece of Bellingham's history while becoming part of its future.

Getting Around

90
WalkingWalker's Paradise
38
TransitSome Transit
69
BikeBikeable

Schools

8/10
Lowell Elementary SchoolGrades PK-50.2 mi
8/10
Fairhaven Middle SchoolGrades 6-80.6 mi
9/10
Sehome High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1922

Materials

  • Foundation: Concrete Ribbon
  • Roof: Composition
  • Construction materials: Cement/Concrete,Stucco

Notable Dates

  • Major remodel year: 1991

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,1 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dryer(s),Garbage Disposal,Refrigerator(s),Washer(s),Water Heater: Gas,Water Heater Location: Basement

Basement

  • Has basement: Yes
  • Basement: Daylight,Unfinished

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Ceiling Fan(s),Dining Room
  • Window features: Dbl Pane/Storm Window
  • Flooring: Concrete,Engineered Hardwood,Softwood,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Stove/Free Standing,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,579
  • Total interior livable area: 2,579 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 370201130201
  • Zoning: RS4.5
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Jetted Tub,Water Heater
  • Spa features: Bath
  • Has view: Yes
  • View description: Bay,City,Islands,Territorial
  • Has water view: Yes
  • Water view: Bay
  • Topography of land: Partial Slope
  • Residential vegetation: Fruit Trees,Garden Space

Lot

  • Lot size: 4,791 sqft
  • Features: Corner Lot,Curbs,Paved,Sidewalk,Cable TV,Deck,Gas Available,High Speed Internet,Patio

Parking

  • Total spaces: 4
  • Parking features: Attached Carport,Off Street
  • Covered spaces: 2
  • Uncovered spaces: 2
  • Carport: Yes

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

  • Ice Storm
    Ice StormRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Coastal Flooding
Cold Wave
Earthquake
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 $4,475$53,700
Home Insurance *$140$1,680
Property Taxes $584$7,008
Electricity $176$2,116
Total$5,375$64,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,285/yr
40% on housing$161,250/yr
45% on housing$143,333/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

$343This listing

vs Other Active Listings

Avg $/sqft

ZIP 98225$311
Whatcom County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 98225$446
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
2026-08-17Price change$825,000
2026-07-08Listed for sale$885,000
1990-06-22Sold$120,000

For Sale by Agent

AgentChristopher Boyd
BrokerageCOMPASS

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