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4035 Eliza Avenue #103, Bellingham, WA, 98226

2beds
3baths
1,287sqft
$390,000
$303price/sqft
$2,412/moest. monthly cost
$96,480/yrincome needed

About This Home

{Rare Opportunity} Ideally located townhome located within walking distance of restaurants, shops, walking trails & more! This well kept unit offers 2 Primary Suites w/ensuites & spacious walk in closets. Nice sized balcony for relaxing and/or entertaining. Kitchen is well equipped w/lots of storage & all appliances stay with the Unit. Two car tandem garage is accessible from inside the unit. Additional bonus storage room located on ground floor. Cozy & move in ready with newer LVP. Upgraded interior sprinkler system installed (2026). HOA takes care of the landscaping, exterior maintenance & the parking lot so you don't have to! Buyer to verify information to their satisfaction. Hurry, availability in this community is rare.

Getting Around

62
WalkingSomewhat Walkable
46
TransitSome Transit
82
BikeVery Bikeable

Schools

2/10
6/10
Shuksan Middle SchoolGrades 6-80.7 mi
7/10
Squalicum High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Type & Style

  • Home type: Townhouse
  • Architectural style: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Refrigerator(s),Washer(s)

Bathroom Full

  • Level: Second

Bathroom Three Quarter

  • Level: Second

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Features

  • Flooring: Hardwood,Laminate,Carpet

Heating & Cooling

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

Interior Area

  • Total structure area: 1,287
  • Total interior livable area: 1,287 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 3802132505110003
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Entry location: Main
  • Patio & porch: Primary Bathroom,Sprinkler System,Walk-In Closet(s)
  • Has view: Yes
  • View description: Territorial

Lot

  • Features: Paved

Parking

  • Total spaces: 2
  • Parking features: Individual Garage
  • Has garage: Yes
  • Covered spaces: 2

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

  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Ice Storm
Cold Wave
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 $1,972$23,664
Home Insurance *$70$840
Property Taxes $221$2,652
Electricity $149$1,793
Total$2,412$28,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,697/yr
40% on housing$72,360/yr
45% on housing$64,320/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

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 98226$317
Whatcom County$301

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
2026-05-08Price change$390,000
2026-04-16Price change$399,950
2026-04-01Listed for sale$410,000
2022-11-16Sold$379,000
2022-09-30Pending sale$379,000
2022-09-26Listed for sale$379,000
2021-02-24Listing removed--
2020-08-06Listing removed$1,750
2020-07-08Price change$1,750
2020-07-03Listed for rent$1,900
2017-04-17Sold$220,000
2016-01-21Listing removed$170,000
2016-01-19Listed for sale$170,000
2015-11-27Pending sale$170,000
2015-11-27Listed for sale$170,000
2013-03-29Sold$155,000
2005-07-20Sold$236,134

For Sale by Agent

AgentTiffany Cruz
BrokerageCruz & Co. LLC

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