522 12th St

Bellingham, WA 98225

$849,000
Price
3
Beds
968 Sq. Ft.
$877 / Sq. Ft.
968
Sq. Ft.
$877
per Sq. Ft.
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Listing provided courtesy of Coldwell Banker Bain
Source: Northwest MLS

Description

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....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.
  1. Listed by Wayne Kwiatkowski • Coldwell Banker Bain
    P: (360)-734-3420 waynekwiatkowski@cbbain.com
  2. Listed by Max Kwiatkowski • Coldwell Banker Bain
    P: (360)-734-3420 maxkwiatkowski@cbbain.com

Property Details for 522 12th Street

Community Name
South Hill
School District
Bellingham
View
Bay, City, Ocean, Sea, Sound
Number of Assigned Spaces
0
Total Covered Parking
0
Entry Date
03-19-2026
Energy Source
Natural Gas
Sewer
Sewer Connected
LISTING UPDATED: 03/23/2026 02:16 PM

Property Details for 522 12th Street

StatusActive
MLS #2493835
Days on Market25
Cumulative Days on Market25
Taxes$7,147 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential
Year Built1938
Lot Size0.07 AC / 3,049 SF
CountyWhatcom County
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Location

Listing Courtesy of Coldwell Banker Bain
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Building Information for 522 12th Street

Stories-Year Built1938Building Size-Lot Size0.07 AC / 3,049 SF

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$4,871 per month

30 year fixed, 6.46% Interest

Principal and Interest

$4,275

Property Taxes

$596

HOA Dues

$0

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Property Information for 522 12th Street

Summary
Location and General Information
  • Style: 12 - 2 Story
  • Building Information: Built On Lot
  • Site Features: Cable TV, Deck, Gas Available
  • Area: 860 - Bellingham
  • Block: Block 14
  • Elementary School: Lowell Elem
  • Middle Or Junior School: Fairhaven Mid
  • High School: Sehome High
  • Effective Year Built Source: Public Records
  • Directions: Interstate 5 to Old Fairhaven Parkway, head west to 14th St, north on 14th St to Adams St, left on Adams to 12th. The property is at the NW corner of 12th and Adams Streets. Or just use your Map App!
  • Bus Route Number: 1
  • Property Sub Type: RESI
  • Bus Line Nearby: true
  • View: Yes
  • Waterfront: No
  • Entry Location: Main
  • Direction Faces: Southwest
Taxes and HOA Information
  • Tax Year: 2024
Parking
  • Attached Garage: No
  • Carport: No
  • Parking Type: Driveway Parking, Off Street
  • Open Parking: No
  • Parking Features: Driveway, Off Street
Interior and Exterior Features
Bathroom Information
  • Full Bathrooms: 0
  • Three Quarter Bathrooms: 2
  • Half Bathrooms: 0
  • Full Baths Lower: 0
  • Full Baths Main: 0
  • Full Baths Upper: 0
  • Three Quarter Baths Lower: 1
  • Three Quarter Baths Main: 1
  • Three Quarter Baths Upper: 0
  • Half Baths Lower: 0
  • Half Baths Main: 0
  • Half Baths Upper: 0
  • Full Baths Garage: 0
  • Half Baths Garage: 0
  • Three Quarter Baths Garage: 0
  • Main Level Bathrooms: 1
Bedroom Information
  • Bedrooms Main: 2
  • Bedrooms Upper: 0
  • Bedrooms Lower: 1
  • Bedrooms Possible: 2
  • Master Bedroom Level: Main
Interior Features
  • Fireplaces Total: 2
  • Fireplaces Lower: 1
  • Fireplaces Upper: 1
  • Floor Covering: Laminate
  • Basement: None
  • Features: Fireplace, Water Heater
  • Water Heater Location: crawl space
  • Room and Floor: Entry Hall-Main, Kitchen Without Eating Space-Main, Living Room-Main, Primary Bedroom-Main, Bathroom Three Quarter-Lower, Bathroom Three Quarter-Main, Bedroom-Lower, Bedroom-Main
  • Appliances: Refrigerator, Stove(s)/Range(s)
  • Cooling: No
  • Cooling: None
  • Fireplace Features: Gas
  • Fireplace: Yes
  • Heating: Yes
  • Heating: See Remarks
  • FIRPTA: No
  • Water Heater Type: gas
  • Room List: Entry Hall, Kitchen Without Eating Space, Living Room, Primary Bedroom, Bathroom Three Quarter, Bedroom
Exterior Features
  • Exterior: Wood, Wood Products
  • Roof: Composition
  • Appliances That Stay: Refrigerator(s),Stove(s)/Range(s)
Property
Utilities
  • Water Source: Community
  • Power Company: PSE
  • Sewer Company: COB
  • Water Company: COB
  • Power Production Type: Natural Gas
Property and Assessments
  • New Construction YN: No
  • Senior Exemption: No
  • Zoning Jurisdiction: City
  • Foundation: Poured Concrete
  • Level: Two
  • Lot Topography: Partial Slope
  • First Right Of Refusal: false
  • MLS Square Footage Source: Public Records
  • Preliminary Title Ordered: Yes
  • Senior Community: No
  • Special Listing Conditions: None
  • Year Built Effective: 1938
  • Photos Count: 25
Lot Information
  • Lot Details: Paved, Sidewalk
  • Lot Size Dimensions: 104' X 35
  • Lot Number: Lot B
  • Lot Size Source: Public Records
  • Parcel Number Free Text: 3702011174480000
  • Calculated Square Footage: 968
  • Structure Type: House
  • Square Footage Finished: 968
  • Square Footage Unfinished: 0
  • Building Area Total: 968.0
  • Building Area Units: Square Feet
  • Property Type: Residential
  • Elevation Units: Feet
  • Irrigation Water Rights: No
Rental
Rent Information
  • Occupant Type: Tenant
  • Land Lease: No
  • Total Actual Rent: $3,000

Property History for 522 12th Street

DateEvent & SourcePriceAppreciation
Mar 19, 2026

Listed (Active)

NWMLS #2493835

$849,000—
DateEvent & SourcePrice
03/19/2026

Listed (Active)

NWMLS #2493835

$849,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 522 12th Street

Taxable ValueLand$668,378Additions$221,495Total$889,873
Tax Record2025$7,278 ($606 / month)
Home Facts
Beds2Baths2Total Finished SqFt968 SqFtAbove Ground SqFt484 SqFtFinished Basement SqFt484 SqFtStories1Lot Size3,071 SqFtStyleSingle Family ResidenceYear Built1938ZoningRM2.0CountyWHATCOMAPN370201 117448 0000Fireplace TypeHas Fireplace

Schools near 522 12th Street

This home is within Bellingham Public Schools.
Rating
School
Type
Grades
Distance
Lowell Elementary School
Public - PK to 5
Fairhaven Middle School
Public - 6 to 8
Sehome High School
Public - 9 to 12
Bellingham Family Partnership Program
Public - K to 12
Rating
School
Distance
Lowell Elementary School
PublicPK to 5

Fairhaven Middle School
Public6 to 8

Sehome High School
Public9 to 12

Bellingham Family Partnership Program
PublicK to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 522 12th Street, Bellingham, WA 98225

522 12th Street is a single family home for sale in Bellingham, WA 98225. This property was listed for sale on March 19, 2026 by Coldwell Banker Bain, it's currently listed at $849,000. This listing's school district is Bellingham Public Schools. Nearby schools include Lowell Elementary School, Fairhaven Middle School and Sehome High School. 522 12th Street is a 3-bed, 2-bath, 968 sqft single family home built in 1938.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Coldwell Banker Bain

Based on information submitted to the MLS GRID as of 03/23/2026 02:16 PM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.