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1310 Ellsworth Street, Bellingham, WA, 98225

3beds
3baths
4,046sqft
$1,650,000
$408price/sqft
$9,971/moest. monthly cost
$398,840/yrincome needed

About This Home

Fully restored Victorian duplex offering immediate income and major future upside in a convenient in-town Bellingham location. Rebuilt down to the studs, this unique property blends historic character with extensive improvements, creating a rare opportunity for investors or buyers seeking both cash flow and long-term potential. As currently configured, the duplex offers projected rental income of approximately $7,300 per month, making it an attractive income-producing asset from day one. Included in the package is the adjacent vacant lot, which previously had a full set of plans for a 4-plex. Together, the restored duplex and additional lot create the potential for a 6-unit overall project, combining current income with future development opportunity. The home itself offers the charm, presence, and architectural detail that only a classic Victorian can provide, while the package as a whole presents a compelling hybrid of existing rental performance and additional build potential. Rare chance to acquire a beautifully restored duplex with flexibility for owner-occupants, investors, or multigenerational living, conveniently located near downtown amenities, shopping, dining, and everyday services.

Getting Around

90
WalkingVery Walkable
48
TransitSome Transit
99
BikeBiker's Paradise

Schools

8/10
6/10
Whatcom Middle SchoolGrades 6-80.3 mi
8/10
Bellingham High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1905

Materials

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

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3

Features

  • Flooring: Engineered Hardwood,Hardwood,Vinyl,Carpet

Heating & Cooling

  • Heating features: 90%+ High Efficiency,Wall Furnace,Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 4,046
  • Total interior livable area: 4,046 sqft

Property

Details

  • Parcel number: 3802255615240000
  • Zoning description: Residential,Jurisdiction: City
  • Special condition: Standard

Lot

  • Lot size: 9,583 sqft
  • Features: Corner Lot,Paved,Sidewalk,Deck,Gas Available,Outbuildings

Parking

  • Total spaces: 8
  • Parking features: Garage
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered 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

  • 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 $8,343$100,116
Home Insurance *$261$3,132
Property Taxes $1,091$13,092
Electricity $276$3,321
Total$9,971$119,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$341,862/yr
40% on housing$299,130/yr
45% on housing$265,893/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

$408This listing

vs Other Active Listings

Avg $/sqft

ZIP 98225$310
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)

No zestimate history available

Price History

DateEventPrice
2026-03-24Listed for sale$1,650,000
2021-03-24Listing removed--
2018-03-08Listing removed$900
2018-03-02Listed for rent$900
2014-05-05Listing removed$2,000
2013-10-17Price change$2,000
2013-09-21Listed for rent$2,500
2013-07-20Listing removed$2,500
2013-06-20Listed for rent$2,500
2012-09-07Listing removed$1,995
2012-08-08Listed for rent$1,995
2011-09-16Listing removed$2,200
2011-08-18Listed for rent$2,200
2009-03-13Listing removed$589,000
2008-10-12Listed for sale$589,000
2007-08-07Sold$240,280
1999-05-18Sold$130,000

For Sale by Agent

AgentKeith Cook
BrokerageRE/MAX Whatcom County, Inc.

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