About this home

56 ft of lakefront on Toad Lake (Emerald Lake), a quiet lake of about 30 acres with no motorboats, 12-15 minutes from downtown Bellingham. 0.19-acre lot (8,276 sq ft). Water (District 7) and PSE power at the street, with a fire hydrant at the lot. 2005 professional survey. A 2020 feasibility study found no wetlands and no floodplain. An engineered septic design (pretreatment unit with subsurface drip field, sized for a 2-bedroom home) was approved by Whatcom County Health in November 2020. The permit expired in 2023; the approved permit, design and soil logs are available. Zoned RR2 Rural Residential; Shoreline Residential under the county Shoreline Master Program. Lot 5, Plat of Emerald Lake Division No. 2.

Property details

View: Lake, Territorial
Water source: Available, In Street
Sewer: Not Available
Utilities: Electricity Available, Septic Design Applied

Costs

Annual taxes: $760 (2026)

Estimate your monthly payment

$783/mo

Principal & interest: $720
Property taxes: $63

Down payment (20%) $28,463 Interest rate (%) Loan term (years)

Loan amount $113,851

Estimate only — excludes homeowner's insurance and PMI. Rates shown are not a quote. Talk to us to connect with a lender.

Location

Bellingham, WA 98226

Approximate location. Contact us to confirm the exact address.

Listing courtesy of homecoin.com— Jon Minerick.Listing data courtesy of the Northwest Multiple Listing Service (NWMLS). Information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

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