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203 N 34th Street, Bellingham, WA, 98225

2beds
1baths
1,852sqft
$589,000
$318price/sqft
$3,609/moest. monthly cost
$144,360/yrincome needed

About This Home

Nestled among mature trees on a quiet, 1/4 acre lot, this inviting home offers privacy, comfort, and an affordable opportunity to put down roots. Enjoy the sounds of birds, frequent visits from neighborhood deer, and the convenience of single-level living in this spacious 2-bedroom, 1-bath home. Ideally situated just a minute's walk from the arboretum and a short drive from downtown Bellingham, this location offers exceptional convenience. Original hardwood floors add warmth and character, while the functional layout provides comfortable everyday living. The large front porch is the perfect place to enjoy your morning coffee or unwind at the end of the day. Out back, you'll find an edible yard with mature raspberry bushes and an apple tree, creating a peaceful outdoor space to enjoy. An oversized 840-square-foot detached garage/shop offers exceptional space for projects, storage, hobbies, or a workshop. Surrounded by nature yet close to everyday amenities, this home is ready for its next owners.

Getting Around

69
WalkingSomewhat Walkable
41
TransitSome Transit
47
BikeSomewhat Bikeable

Schools

6/10
8/10
Fairhaven Middle SchoolGrades 6-82.1 mi
9/10
Sehome High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1935

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Notable Dates

  • Major remodel year: 1935

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: Tankless,Water Heater Location: Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Dining Room
  • Flooring: Hardwood,Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Radiator,Electric,Natural Gas,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,852
  • Total interior livable area: 1,852 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3803313551920000
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dining Room,Fireplace,Water Heater
  • Topography of land: Partial Slope
  • Residential vegetation: Brush,Fruit Trees,Garden Space

Lot

  • Lot size: 0.25 Acres
  • Features: Paved,Fenced-Partially,High Speed Internet,Shop

Parking

  • Total spaces: 8
  • Parking features: Detached Garage
  • Has garage: Yes
  • 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

  • Earthquake
    EarthquakeVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Cold Wave
Ice Storm
Winter Weather
Heat Wave
Inland Flooding
Lightning

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 $2,978$35,736
Home Insurance *$93$1,116
Property Taxes $389$4,668
Electricity $149$1,793
Total$3,609$43,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,737/yr
40% on housing$108,270/yr
45% on housing$96,240/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

$318This listing

vs Other Active Listings

Avg $/sqft

ZIP 98225$313
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
2026-08-09Pending sale$589,000
2026-07-22Price change$589,000
2026-07-10Listed for sale$599,000
2013-06-06Sold$230,280
2013-03-27Listed for sale$250,000
2002-06-07Sold$136,031

For Sale by Agent

AgentEthan Hunger
BrokerageBellwether Real Estate

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