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1007 22nd Street, Bellingham, WA, 98225

4beds
2baths
1,456sqft
$599,900
$412price/sqft
$3,673/moest. monthly cost
$146,920/yrincome needed

About This Home

Beautifully remodeled this duplex is a rare gem located between Campus and Fairhaven—an unbeatable spot just a short walk from Western Washington University's lively community. Whether you're looking for an investment opportunity or a dual-living solution, this property offers flexibility, style, and convenience all in one. Recent updates ensure peace of mind and a fresh aesthetic, with a brand-new roof, gutters, and a crisp exterior paint job. The upper unit features an updated kitchen, three bright bedrooms, and a full bath. Step outside onto the expansive deck—perfect for summer BBQs or simply enjoying the fresh air. The lower unit, with its own private entrance, has been completely updated, boasting a modern one-bedroom suite with a refreshed kitchen and ¾ bath. Every detail has been thoughtfully designed to provide comfort and style, making it ideal for extended living, guests, or rental income. Both units come fully equipped with all appliances, and a shared washer and dryer add an extra layer of convenience for tenants. Nestled in a highly sought-after location, this duplex offers a perfect blend of modern comfort and proximity to everything that makes the area so desirable. Don’t miss the chance to own this move-in-ready property that’s as versatile as it is inviting!

Getting Around

55
WalkingSomewhat Walkable
42
TransitSome Transit
56
BikeBikeable

Schools

5/10
9/10
Fairhaven Middle SchoolGrades 6-80.9 mi
9/10
Sehome High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1897

Materials

  • Foundation: Poured Concrete,Slab
  • Roof: Composition
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2004

Type & Style

  • Home type: MultiFamily
  • Architectural style: Duplex
  • Property subType: Duplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Flooring: Vinyl Plank

Heating & Cooling

  • Heating features: Wall Furnace,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,456
  • Total interior livable area: 1,456 sqft

Property

Details

  • Parcel number: 3702015182220000
  • Zoning description: Multi-Family,Residential,Jurisdiction: City
  • Special condition: Standard

Features

  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 4,791 sqft
  • Features: Curbs,Paved,Cable TV,Deck,High Speed Internet
  • Lot size dimensions: 40 x 100

Parking

  • Total spaces: 4
  • Uncovered spaces: 4

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 WaveModerate
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
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 $3,033$36,396
Home Insurance *$95$1,140
Property Taxes $396$4,752
Electricity $149$1,793
Total$3,673$44,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,931/yr
40% on housing$110,190/yr
45% on housing$97,946/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

$412This listing

vs Other Active Listings

Avg $/sqft

ZIP 98225$312
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
2026-04-02Listed for sale$650,000
2021-09-13Sold$565,000
2021-07-29Pending sale$575,000
2021-07-27Price change$575,000
2021-07-20Listed for sale$585,000
2021-07-14Pending sale$585,000
2021-07-08Listed for sale$585,000
2006-08-31Sold$283,900
2000-07-21Sold$121,000

For Sale by Agent

AgentMichelle R Harrington
BrokerageCOMPASS

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