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5425 Papetti Lane, Bellingham, WA, 98226

5beds
3baths
2,819sqft
$825,000
$293price/sqft
$5,091/moest. monthly cost
$203,640/yrincome needed

About This Home

Nestled on five peaceful and private acres at the end of a quiet private road, this special property offers the perfect blend of space, serenity, and stunning natural beauty. Enjoy gorgeous Mt. Baker views, a picturesque pond, fruit trees, and expansive flat, usable land that's ideal for horses, hobby farming, or simply enjoying your own private retreat, with plenty of room to add a shop. Inside, the home features three bedrooms upstairs, including a spacious primary suite with an attached bath, abundant storage throughout, and a dining area that opens to a deck overlooking the tranquil setting. A brand new roof adds peace of mind, while the expansive lower level offers a large family room with a cozy fireplace plus two additional rooms, providing endless flexibility for hobbies, a home office, guests, or recreation. This is a truly one-of-a-kind property where privacy, functionality, and the beauty of the Pacific Northwest come together.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
32
BikeSomewhat Bikeable

Schools

6/10
8/10
Meridian Middle SchoolGrades 6-82.2 mi
6/10
Meridian High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Metal/Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: 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: Propane,Water Heater Location: Garage

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom Three Quarter

  • Level: Main

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Lower

Bedroom

  • Level: Lower

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Entry Hall

  • Level: Main

Family Room

  • Level: Lower

Features

  • Bath Off Primary
  • Window features: Dbl Pane/Storm Window
  • Flooring: Hardwood,Vinyl,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Gas,Lower Level: 1,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Heat Pump,Propane
  • Cooling features: Forced Air,Heat Pump

Interior Area

  • Total structure area: 2,819
  • Total interior livable area: 2,819 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 390328216165
  • Zoning description: Jurisdiction: County
  • Special condition: Standard
  • Other equipment: Leased Equipment: Propane tank,Wired for Generator

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Fireplace,Water Heater,Wired for Generator
  • Has view: Yes
  • View description: Mountain(s),Pond,Territorial
  • Has water view: Yes
  • Water view: Pond
  • Topography of land: Equestrian,Level
  • Residential vegetation: Fruit Trees,Garden Space,Pasture

Lot

  • Lot size: 5.10 Acres
  • Features: Dead End Street,Secluded,Cable TV,Deck,Fenced-Partially,Patio,Propane,RV Parking

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,RV Parking
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
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 $4,171$50,052
Home Insurance *$149$1,788
Property Taxes $579$6,948
Electricity $192$2,313
Total$5,091$61,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,548/yr
40% on housing$152,730/yr
45% on housing$135,760/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

$293This listing

vs Other Active Listings

Avg $/sqft

ZIP 98226$316
Whatcom County$300

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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$825,000
2026-07-23Listed for sale$825,000
2019-01-11Sold$520,000
2018-11-27Pending sale$519,000
2018-10-27Listed for sale$519,000
2018-10-11Pending sale$519,000
2018-10-05Price change$519,000
2018-09-21Listed for sale$545,000

For Sale by Agent

AgentDiskin Young
BrokerageBellwether Real Estate

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