Perched on Fairhaven's coveted South Hill, this charming duplex delivers something increasingly rare, sweeping Bellingham Bay views and immediate income, all in one of the city's most walkable, well-connected neighborhoods. Each of the two mirror-image units offers a private entrance, one bedroom, full bath, kitchen, and living room, making it equally suited for an owner-occupant looking to offset their mortgage, or an investor seeking steady, reliable rental returns. The location speaks for itself. Steps from Fairhaven Village, Boulevard Park, and Western Washington University, demand for rentals here is consistent and strong — and the lifestyle appeal makes attracting quality tenants effortless. For those with a longer horizon, the upside gets even more compelling; the lot supports potentially 2–3 modern townhomes, representing a significant development opportunity in a market that is hungry for new housing in established, amenity-rich neighborhoods. Whether you're live-in investment, building a rental portfolio, or positioning for a future redevelopment, this is a versatile asset in one of Bellingham's most sought-after corridors. With views, walkability, and land value all in one, Fairhaven properties like this are rare.
Active
Listed by: Coldwell Banker Bain • Wayne Kwiatkowski
$849,000
522 12th Street, Bellingham, WA 98225
3beds
968sqft
Single Family Residence
Built in 1938
3,049 Square Feet Lot
$821,500 Zestimate®
$877/sqft
$-- HOA
What's special
Private entranceOne bedroomSweeping bellingham bay viewsTwo mirror-image units
- 108 days |
- 714 |
- 23 |
Zillow last checked:
Listing updated:
Listed by:
Wayne Kwiatkowski,
Coldwell Banker Bain,
Max Kwiatkowski,
Coldwell Banker Bain
Source: NWMLS as distributed by MLS GRID,MLS#: 2493835
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- 3/4 bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 2
Primary bedroom
- Level: Main
Bedroom
- Level: Lower
Bedroom
- Level: Main
Bathroom three quarter
- Level: Lower
Bathroom three quarter
- Level: Main
Entry hall
- Level: Main
Kitchen without eating space
- Level: Main
Living room
- Level: Main
Heating
- Fireplace, See Remarks, Natural Gas
Cooling
- None
Appliances
- Included: Refrigerator, Stove(s)/Range(s), Refrigerator(s), Water Heater: gas, Water Heater Location: crawl space
Features
- Flooring: Laminate
- Basement: None
- Number of fireplaces: 2
- Fireplace features: Gas, Lower Level: 1, Upper Level: 1, Fireplace
Interior area
- Total structure area: 968
- Total interior livable area: 968 sqft
Property
Parking
- Parking features: Driveway, Off Street
Features
- Levels: Two
- Stories: 2
- Entry location: Main
- Patio & porch: Fireplace, Water Heater
- Has view: Yes
- View description: Bay, City, Ocean, Sea, Sound
- Has water view: Yes
- Water view: Bay,Ocean,Sea,Sound
Lot
- Size: 3,049 Square Feet
- Dimensions: 104' x 35
- Features: Paved, Sidewalk, Cable TV, Deck, Gas Available
- Topography: Partial Slope
Details
- Parcel number: 3702011174480000
- Zoning: RM2
- Zoning description: Jurisdiction: City
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cabin,2 Story
- Property subtype: Single Family Residence
Materials
- Wood Siding, Wood Products
- Foundation: Poured Concrete
- Roof: Composition
Condition
- Year built: 1938
- Major remodel year: 1938
Utilities & green energy
- Electric: Company: PSE
- Sewer: Sewer Connected, Company: COB
- Water: Community, Company: COB
- Utilities for property: Xfinity, Xfinity
Community & HOA
Community
- Subdivision: South Hill
Location
- Region: Bellingham
Financial & listing details
- Price per square foot: $877/sqft
- Tax assessed value: $886,908
- Annual tax amount: $7,147
- Date on market: 3/18/2026
- Cumulative days on market: 110 days
- Listing terms: Conventional
- Inclusions: Refrigerator(s), Stove(s)/Range(s)
- Total actual rent: 3000
Estimated market value
$821,500
$780,000 - $863,000
$2,735/mo
Price history
| Date | Event | Price |
|---|---|---|
| 3/19/2026 | Listed for sale | $849,000+95.2%$877/sqft |
Source:  NWMLS as distributed by MLS GRID #2493835 Report a problem | ||
| 5/15/2008 | Listing removed | $435,000$449/sqft |
Source: VLS Homes Report a problem | ||
| 3/2/2008 | Listed for sale | $435,000$449/sqft |
Source: VLS Homes Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $7,259 +1.6% | $886,908 -3.5% |
| 2023 | $7,147 +7.8% | $918,617 +17.5% |
| 2022 | $6,629 +12.6% | $781,806 +24% |
| 2021 | $5,886 +5.3% | $630,506 +14% |
| 2020 | $5,591 | $553,071 +5.4% |
| 2019 | $5,591 +1.8% | $524,984 +61.3% |
| 2018 | $5,494 +61.7% | $325,496 +12.7% |
| 2017 | $3,397 -3.3% | $288,921 +8.6% |
| 2016 | $3,513 +24.6% | $265,956 +5.5% |
| 2015 | $2,819 | $252,176 +5% |
| 2014 | $2,819 +1.6% | $240,165 +4.6% |
| 2013 | $2,775 | $229,655 -2.5% |
| 2012 | -- | $235,466 -0.1% |
| 2011 | -- | $235,781 -2.6% |
| 2010 | -- | $242,181 -6.8% |
| 2009 | $2,344 +5.9% | $259,980 |
| 2008 | $2,214 | $259,980 +15.6% |
| 2007 | $2,214 -13.6% | $224,880 |
| 2005 | $2,563 | $224,880 |
| 2004 | $2,563 +66.7% | $224,880 +77% |
| 2003 | $1,538 +2.8% | $127,025 |
| 2002 | $1,495 -0.4% | $127,025 |
| 2001 | $1,501 | $127,025 |
| 2000 | -- | $127,025 +19.8% |
| 1999 | -- | $106,030 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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: South Hill
Nearby schools
GreatSchools rating
- 8/10Lowell Elementary SchoolGrades: PK-5Distance: 0.3 mi
- 8/10Fairhaven Middle SchoolGrades: 6-8Distance: 1 mi
- 9/10Sehome High SchoolGrades: 9-12Distance: 1 mi
Schools provided by the listing agent
- Elementary: Lowell Elem
- Middle: Fairhaven Mid
- High: Sehome 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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Washington
- Whatcom County
- Bellingham
- 98225
- South Hill
- 522 12th Street
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