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2827 Walnut Street, Bellingham, WA, 98225

3beds
2baths
1,590sqft
$650,000
$409price/sqft
$3,967/moest. monthly cost
$158,680/yrincome needed

About This Home

Welcome to this lovely craftsman nestled in the heart of the Columbia Neighborhood—where charm, character, and modern updates come together beautifully. The main floor offers a bright and welcoming entry, living room with new gas fireplace, two cozy bedrooms, a full bath, and a spacious kitchen ideal for cooking and gathering. Downstairs, the fully finished basement expands your living options with a third bedroom, office space, laundry area, and a stylish three-quarter bath. Enjoy the gorgeous new covered back deck and hot tub—perfect for year round relaxation. Detached garage off the alley with new privacy fence. Numerous updates including newer roof, flooring, carpet in basement, and interior paint. Parks, breweries, restaurants, and trails are just moments away—this is a place you’ll love calling home.

Getting Around

84
WalkingVery Walkable
38
TransitSome Transit
93
BikeBiker's Paradise

Schools

7/10
6/10
Shuksan Middle SchoolGrades 6-80.9 mi
8/10
Bellingham High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Brick,Cement/Concrete

Notable Dates

  • Major remodel year: 1925

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story w/Bsmnt.
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,See Remarks,Washer,Dryer(s),Refrigerator(s),Washer(s),Water Heater: Gas,Water Heater Location: Basement

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Lower

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Window features: Dbl Pane/Storm Window
  • Flooring: Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,590
  • Total interior livable area: 1,590 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 3802244202600000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,Fireplace,Hot Tub/Spa,Water Heater
  • Has spa: Yes
  • Spa features: Indoor
  • Has view: Yes
  • View description: Territorial
  • Residential vegetation: Garden Space

Lot

  • Lot size: 4,791 sqft
  • Features: Paved,Cable TV,Deck,Fenced-Fully,High Speed Internet,Hot Tub/Spa,Patio

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • Has garage: Yes
  • Covered spaces: 1
  • Uncovered spaces: 1

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Earthquake
Ice Storm

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 $3,286$39,432
Home Insurance *$103$1,236
Property Taxes $429$5,148
Electricity $149$1,793
Total$3,967$47,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,011/yr
40% on housing$119,010/yr
45% on housing$105,786/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

$409This 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
2026-08-06Price change$635,000
2026-07-17Listed for sale$650,000
2023-09-22Sold$635,000
2023-08-26Pending sale$650,000
2023-08-17Listed for sale$650,000
2004-07-29Sold$176,000

For Sale by Agent

AgentTeresa Pinedo
BrokerageColdwell Banker Bain

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