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2106 Young Street, Bellingham, WA, 98225

4beds
4baths
2,924sqft
$1,230,000
$421price/sqft
$7,426/moest. monthly cost
$297,040/yrincome needed

About This Home

A rare opportunity to own a beautifully updated triplex in one of Bellingham’s most beloved downtown neighborhoods. Located just blocks from the courthouse, professional offices, and PeaceHealth St. Joseph Medical Center, this property offers a lifestyle of connection and convenience, with strong and steady rental potential.Thoughtfully taken down to the studs and rebuilt with care, nothing was left untouched. All new plumbing, electrical, and systems bring the ease of modern living, while the warmth and character of this early 1900s home have been intentionally preserved.The main floor lives like a home of its own, offering a spacious two bedroom layout of approximately 1500 square feet with generous living and dining spaces filled with natural light. Upstairs, two inviting one bedroom units of approximately 700 square feet each create flexibility for long term or mid term rental options.Each unit includes washer and dryer hookups, and the property offers shared basement storage along with off street parking for multiple vehicles, a rare find this close to downtown.Fully permitted and truly turnkey, this is more than an investment. It is a chance to own a piece of Bellingham’s history, thoughtfully brought forward for the way we live today. *property pended + to no fault of the home buyers got cold feet.

Getting Around

94
WalkingWalker's Paradise
56
TransitGood Transit
88
BikeVery Bikeable

Schools

8/10
6/10
Whatcom Middle SchoolGrades 6-80.3 mi
8/10
Bellingham High SchoolGrades 9-120.1 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1901

Materials

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

Type & Style

  • Home type: MultiFamily
  • Architectural style: Tri-plex
  • Property subType: Triplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4

Features

  • Flooring: Vinyl Plank

Heating & Cooling

  • Heating features: 90%+ High Efficiency,Ductless,Forced Air,Heat Pump,Electric
  • Cooling features: 90%+ High Efficiency,Ductless

Interior Area

  • Total structure area: 2,924
  • Total interior livable area: 2,924 sqft

Property

Details

  • Parcel number: 3803302324070000
  • Zoning description: Multi-Family,Jurisdiction: City
  • Special condition: Standard

Features

  • Has view: Yes
  • View description: City

Lot

  • Lot size: 4,356 sqft
  • Features: Curbs,Sidewalk

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

  • 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 $6,219$74,628
Home Insurance *$195$2,340
Property Taxes $812$9,744
Electricity $200$2,400
Total$7,426$89,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$254,605/yr
40% on housing$222,780/yr
45% on housing$198,026/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

$421This 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)

Price History

DateEventPrice
2026-05-04Listed for sale$1,295,000
2026-04-28Pending sale$1,295,000
2026-04-22Listed for sale$1,295,000
2025-06-26Sold$490,000
2025-06-09Pending sale$550,000
2025-06-09Listed for sale$550,000
2025-05-26Pending sale$550,000
2025-05-22Listed for sale$550,000

For Sale by Agent

AgentTobi Smukler
BrokerageReal Broker LLC

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