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1001 N State Street #401, Bellingham, WA, 98225

2beds
1baths
834sqft
$348,000
$417price/sqft
$2,195/moest. monthly cost
$87,800/yrincome needed

About This Home

Enjoy urban living in this beautifully maintained 2-bedroom, 1-bath condo. Laminate flooring runs throughout the home, creating a clean and cohesive feel. This is an end-unit location provides added privacy. The kitchen features appliances that are just 3 years old, offering modern convenience and peace of mind.This well-kept building includes an elevator, secure entrance, and secure garage parking for ease of mind living. Ideally located in Bellingham, you'll love being within easy walking distance of restaurants, shopping, services, and everyday amenities. Whether you're looking for your first home, a downsizing opportunity, or an investment property, this move-in-ready condo offers an exceptional combination of location, security, and convenience.

Getting Around

95
WalkingWalker's Paradise
55
TransitGood Transit
81
BikeVery Bikeable

Schools

8/10
Lowell Elementary SchoolGrades PK-51.6 mi
8/10
Fairhaven Middle SchoolGrades 6-82.4 mi
9/10
Sehome High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Flat
  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Condo (1 Level)
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Refrigerator(s),Washer(s)

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Features

  • Flooring: Vinyl,Vinyl Plank

Heating & Cooling

  • Heating features: Wall Furnace,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 834
  • Total interior livable area: 834 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3803311065450028
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: End Unit,Top Floor
  • Has view: Yes
  • View description: City

Lot

  • Features: Sidewalk

Parking

  • Total spaces: 1
  • Parking features: Common Garage
  • Has garage: Yes
  • Covered 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

  • Earthquake
    EarthquakeRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Earthquake
Cold Wave
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 $1,759$21,108
Home Insurance *$55$660
Property Taxes $232$2,784
Electricity $149$1,793
Total$2,195$26,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,257/yr
40% on housing$65,850/yr
45% on housing$58,533/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

$417This listing

vs Other Active Listings

Avg $/sqft

ZIP 98225$315
Whatcom County$301

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
2026-07-13Listed for sale$348,000
2017-07-18Sold$210,000
2017-07-18Pending sale$220,000
2017-05-23Listed for sale$220,000
2016-05-10Sold$180,000
2007-03-20Sold$193,900

For Sale by Agent

AgentRebecca A. Murphy
BrokerageRoma Management LLC

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