Tucked along a quiet one-way street in Sudden Valley with homes only on one side, this custom cedar home offers privacy, natural beauty, level access, and filtered Lake Whatcom views. The setting is hard to beat, with towering evergreens, a quiet forest across the street, and ample parking with a large, easy driveway rarely found in the neighborhood. Main floor interior features include vaulted ceilings, walls of windows, and a spacious layout filled with natural light. The updated kitchen offers stainless appliances, abundant cabinetry, and an open flow into the main living areas. The large composite wrap-around deck creates an inviting outdoor space to relax, entertain, or enjoy the peaceful surroundings and lake views. On the main floor, there's a primary bedroom with two closets and deck access, plus an additional bedroom and updated bathroom with a garden tub. Downstairs offers a huge flex space that could function as a second living area, oversized bedroom, guest space, office, exercise or hobby room, complete with walk-in closet, full bathroom, wood stove, laundry room and yard access. A partially enclosed yard area creates a great space for pets, gardening, or simply enjoying the outdoors. Close to the AM/PM beaches, this is a great opportunity to enjoy access to pools, a fitness center, golf course, parks, playgrounds, miles of trails, pickleball, basketball courts, dog parks, Lake Whatcom and more while adding your own finishing touches over time.
Pending
Listed by: RE/MAX Whatcom County, Inc.
$465,000
12 Swallow Circle, Bellingham, WA 98229
3beds
1,728sqft
Single Family Residence
Built in 1972
5,719 Square Feet Lot
$460,000 Zestimate®
$269/sqft
$166/mo HOA
What's special
Filtered lake whatcom viewsUpdated kitchenWalk-in closetHuge flex spaceLarge composite wrap-around deckWalls of windowsWood stove
- 35 days |
- 3,314 |
- 230 |
Zillow last checked:
Listing updated:
Listed by:
Sommer Nyte,
RE/MAX Whatcom County, Inc.
Source: NWMLS as distributed by MLS GRID,MLS#: 2528373
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Primary bedroom
- Level: Main
Bedroom
- Level: Lower
Bedroom
- Level: Main
Bathroom full
- Level: Lower
Bathroom three quarter
- Level: Main
Entry hall
- Level: Main
Kitchen without eating space
- Level: Main
Living room
- Level: Main
Utility room
- Level: Lower
Heating
- Fireplace, Forced Air, Stove/Free Standing, Electric, Wood
Cooling
- None
Appliances
- Included: Dishwasher, Disposal, Dryer, Refrigerator, Stove(s)/Range(s), Washer, Dishwasher(s), Dryer(s), Garbage Disposal, Refrigerator(s), Washer(s), Water Heater: Electric, Water Heater Location: Crawl Space
Features
- Ceiling Fan(s)
- Flooring: Ceramic Tile, Laminate, Carpet
- Windows: Dbl Pane/Storm Window
- Basement: Daylight,Finished
- Number of fireplaces: 2
- Fireplace features: Electric, Wood Burning, Lower Level: 1, Upper Level: 1, Fireplace
Interior area
- Total structure area: 1,728
- Total interior livable area: 1,728 sqft
Property
Parking
- Parking features: Driveway
Features
- Levels: One
- Stories: 1
- Entry location: Main
- Patio & porch: Ceiling Fan(s), Dbl Pane/Storm Window, Fireplace, Jetted Tub, Vaulted Ceiling(s), Walk-In Closet(s), Water Heater
- Pool features: Community
- Spa features: Bath
- Has view: Yes
- View description: Lake, Partial, Territorial
- Has water view: Yes
- Water view: Lake
Lot
- Size: 5,719 Square Feet
- Features: Paved, Cable TV, Deck, Fenced-Partially, High Speed Internet
- Topography: Level,Partial Slope
Details
- Parcel number: 3704084534250000
- Zoning description: Jurisdiction: County
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: 1 Story w/Bsmnt.
- Property subtype: Single Family Residence
Materials
- Wood Siding
- Foundation: Poured Concrete
- Roof: Composition
Condition
- Good
- Year built: 1972
Utilities & green energy
- Electric: Company: Puget Sound Energy
- Sewer: Sewer Connected, Company: Lake Whatcom Water & Sewer
- Water: Public, Company: Lake Whatcom Water & Sewer
- Utilities for property: Xfinity, Xfinity
Community & HOA
Community
- Features: Athletic Court, Boat Launch, CCRs, Clubhouse, Golf, Park, Playground, Trail(s)
- Security: Security Service
- Subdivision: Sudden Valley
HOA
- Services included: Common Area Maintenance, Road Maintenance, Security, See Remarks, Snow Removal
- HOA fee: $166 monthly
- HOA phone: 360-734-6430
Location
- Region: Bellingham
Financial & listing details
- Price per square foot: $269/sqft
- Tax assessed value: $358,513
- Annual tax amount: $3,650
- Date on market: 6/4/2026
- Cumulative days on market: 23 days
- Listing terms: Conventional,FHA,USDA Loan,VA Loan
- Inclusions: Dishwasher(s), Dryer(s), Garbage Disposal, Refrigerator(s), Stove(s)/Range(s), Washer(s)
Estimated market value
$460,000
$437,000 - $483,000
$3,119/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/23/2026 | Pending sale | $465,000$269/sqft |
Source:  NWMLS as distributed by MLS GRID #2528373 Report a problem | ||
| 6/17/2026 | Listed for sale | $465,000$269/sqft |
Source: NWMLS as distributed by MLS GRID #2528373 Report a problem | ||
| 6/4/2026 | Pending sale | $465,000$269/sqft |
Source: NWMLS as distributed by MLS GRID #2528373 Report a problem | ||
| 5/22/2026 | Listed for sale | $465,000+111.6%$269/sqft |
Source: NWMLS as distributed by MLS GRID #2528373 Report a problem | ||
| 12/7/2006 | Sold | $219,760$127/sqft |
Source: NWMLS as distributed by MLS GRID #26158757 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,359 +5.9% | $358,513 -0.6% |
| 2023 | $3,171 +2.9% | $360,702 +16% |
| 2022 | $3,081 +21.3% | $310,959 +38% |
| 2021 | $2,540 +4.3% | $225,333 +6% |
| 2020 | $2,436 | $212,578 +3.9% |
| 2019 | $2,436 +3.8% | $204,659 +6.5% |
| 2018 | $2,346 +10.3% | $192,153 +17% |
| 2017 | $2,127 -0.3% | $164,198 +13.7% |
| 2016 | $2,133 +31.8% | $144,417 +6.4% |
| 2015 | $1,619 | $135,754 +2.9% |
| 2014 | $1,619 -0.1% | $131,877 -11.9% |
| 2013 | $1,621 | $149,694 -1.2% |
| 2012 | -- | $151,520 -4.2% |
| 2011 | -- | $158,146 -4.3% |
| 2010 | -- | $165,223 -9.5% |
| 2009 | $1,736 +53.1% | $182,580 |
| 2008 | $1,134 | $182,580 +69.9% |
| 2007 | $1,134 -16.3% | $107,440 |
| 2005 | $1,356 | $107,440 |
| 2004 | $1,356 +5.7% | $107,440 +13.1% |
| 2003 | $1,282 +2% | $94,980 |
| 2002 | $1,257 +0.2% | $94,980 |
| 2001 | $1,255 | $94,980 |
| 2000 | -- | $94,980 +0.3% |
| 1999 | -- | $94,670 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: Sudden Valley
Nearby schools
GreatSchools rating
- 6/10Geneva Elementary SchoolGrades: PK-5Distance: 4.6 mi
- 9/10Kulshan Middle SchoolGrades: 6-8Distance: 5.7 mi
- 8/10Bellingham High SchoolGrades: 9-12Distance: 7.7 mi
Schools provided by the listing agent
- Elementary: Geneva Elem
- Middle: Kulshan Mid
- High: Bellingham High
Source: NWMLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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- Washington
- Whatcom County
- Bellingham
- 98229
- Sudden Valley
- 12 Swallow Circle
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