$729,000
Est. $4,006/mo2 bd•1.5 ba•1,159 sq ft
2220 Utter Street, Bellingham, WA 98225
• Listed Oct 21, 2026•4 days active · 4 cumulative
Listing Broker: Coldwell Banker Bain; Wayne Kwiatkowski; 360-961-1169; waynekwiatkowski@cbbain.com
Talk to a local RexMont expert
A local broker replies within minutes
Listing Broker: Coldwell Banker Bain; Wayne Kwiatkowski; 360-961-1169; waynekwiatkowski@cbbain.com
About this home
Lovable Columbia Neighborhood Cottage: Discover the charm of this inviting 1,159 sq ft, 2-bedroom, 2-bath cottage nestled in Bellingham’s beloved tree-lined Columbia neighborhood. Ideally located near the waterfront, scenic trails for hiking or biking, and just a 1/2 block to historic Elizabeth Park, with easy access to Bellingham’s shops, restaurants, Farmers Market, and local amenities, this home offers the perfect blend of comfort, character, and convenience. Inside, refinished wood floors, new windows, air-conditioning, a bonus room in the finished attic space of 250+/- sq ft, and refreshed interior and exterior paint give the home a fresh, welcoming feel. Outside, enjoy a fully fenced yard with room for your favorite pooch, plus a private backyard perfect for relaxing, gardening, or entertaining. Need a little extra space to work from home? The backyard 100+/- sq ft office pod offers a convenient, separate workspace away from the main living area. Full of charm and thoughtfully refreshed, this delightful cottage is ready to welcome you home! Note: Some of the pictures are Oil Painting Renderings of the home, in the style of Bob Ross.
Listed by Wayne Kwiatkowski • Coldwell Banker Bain
Listing updated: October 25, 2026 at 06:27pm
RexMont checked: moments ago
Source: NWMLS as Distributed by MLS Grid #2581022
Around this home
How much should you offer?
2220 Utter Street, Bellingham, WA 98225
Source:RexMont analysis of Northwest MLS sales data for this ZIP code plus third-party market data (RentCast). The estimates are RexMont's, not Northwest MLS listing data.
Estimates only and not guaranteed. Consult a RexMont agent for accurate, personalized guidance before making an offer. RexMont OfferEdge™ · © 2026 RexMont Real Estate. Proprietary tool.
Property details
Interior features
- Dbl Pane/Storm Window
- Dining Room
- Water Heater
Kitchen
- Dishwasher
- Disposal
- Dryer
- Refrigerator
- Stove(s)/Range(s)
- Tankless Water Heater
- Washer
Bedrooms
- 2 bedrooms total
- 2 on the main level
Bathrooms
- 1 full bathroom
- 1 half bathroom
- 1.5 bathrooms total (NWMLS count)
- 2 on the main level
Layout
- 1 Story
- 1,159 sq ft finished, 320 sq ft unfinished
Flooring
- Softwood
Heating & cooling
- 90%+ High Efficiency heating
- Ductless heating
- Heat Pump heating
- Ductless cooling
Schools
Ratings via SchoolDiggerBellingham School District
- Columbia Elementary SchoolPublic · Grades PK-5—
- Whatcom Middle SchoolPublic · Grades 6-8 · State rank 109 of 5148/10
- Bellingham High SchoolPublic · Grades 9-12 · State rank 58 of 3968/10
Assigned schools for this property per the listing's MLS data. School district boundaries change — verify the exact assigned schools with the district before purchasing.
Single-family home facts
As entered by the listing broker on Northwest MLS
Lot & site
- Lot dimensions
- 50' X 100'
- Topography
- Level
- Vegetation
- Fruit Trees, Garden Space
- Lot number
- 11
- Zoning code
- SFR
- Zoning jurisdiction
- City
- Faces
- West
- Bus route
- 3, 10, 232
Systems
- Energy source
- Electric,Natural Gas
- Power production
- Electric, Natural Gas
- Water heater
- Gas
- Water heater location
- Utility Room
- Power company
- Puget Sound Energy
- Water company
- City of Bellingham
- Sewer company
- City of Bellingham
- Gas company
- Cascade Natural Gas Co
- Garbage service
- SSC
- Irrigation water rights
- No
Rooms & extras
- Bathtubs
- 1
- Showers
- 1
- Excluded items
- No
New construction
- Square footage source
- Public Data
- Lot size source
- Public Data
Manufactured home
- Land lease
- No
Neighborhood mobility
Doorstep, Pedal & Station Scores
Three RexMont scores for this exact address: what is on foot, what is by bike, and what rides past the door.
Ground Truth™
The ground, the slope, the flood zone and the noise at this address
Read from public hazard, flood, terrain and noise maps for this exact home.
Address Insider™
The members' report
Commute, transit, zoning and ADU potential, internet providers and the lifestyle around the home: the nearest grocery, coffee, park, services and transit stop. One free registration opens every home on rexmont.com.
Opens with the report above.
Down payment assistance
6 programs may be available to provide you with up to $36,450 in down payment assistance, depending on your specific information.
Northwest MLS lists this home as eligible for down payment assistance programs
Source: program list compiled by RexMont from ARCH (A Regional Coalition for Housing) member-jurisdiction information. This is not Northwest MLS listing data.
Mortgage payment forecast
$4,650 per month
Great rateTakes about 5 minutes & won't affect your credit
Get pre-approvedSource: RexMont estimate, not Northwest MLS listing data. Interest rates from Freddie Mac's Primary Mortgage Market Survey via FRED (Federal Reserve Bank of St. Louis). Property tax and HOA dues from the NWMLS listing where provided, otherwise estimated; insurance estimated at 0.3% of price per year.
Estimate only. Actual payment depends on credit, lender, and program. PMI not included for down payments below 20%.
Ask about this home
A licensed RexMont broker will get back to you, usually in under 5 minutes during business hours.
Listing Broker: Coldwell Banker Bain; Wayne Kwiatkowski; 360-961-1169; waynekwiatkowski@cbbain.com
Market pulse
Bellingham is a balanced market.
Supply and demand are roughly in balance. Neither side has a clear edge.
Offer insight: Homes typically sell with one offer near asking price.
List to sale price: The average home sells for about 1% below list price.
Time on market: The average home goes pending in around 81 days.
Recent sales nearby
Within 1 mile · last 6 months$665,000 Sold
3 days ago
3 bd•1.5 ba•~1,584 sq ft•Single Family
1405 W Oregon Street, Bellingham, WA 98225
0%
Over list
79
Days on market
0.8 mi
Distance
$677,500 Sold
5 days ago
4 bd•1.5 ba•~1,615 sq ft•Single Family
2415 F Street, Bellingham, WA 98225
3%
Over list
126
Days on market
0.7 mi
Distance
$599,000 Sold
1 week ago
4 bd•1.75 ba•~1,546 sq ft•Single Family
2918 Patton Street, Bellingham, WA 98225
8%
Under list
119
Days on market
0.9 mi
Distance
$809,000 Sold
2 weeks ago
3 bd•1.75 ba•~1,637 sq ft•Single Family
2318 Keesling Street, Bellingham, WA 98225
4%
Under list
48
Days on market
0.4 mi
Distance
$900,000 Sold
3 weeks ago
4 bd•1.75 ba•~1,881 sq ft•Single Family
2817 Broadway, Bellingham, WA 98225
2%
Over list
103
Days on market
0.9 mi
Distance
Closed sales from MLS GRID / NWMLS within the past 6 months, matched on property type and within 1 mile. Comps approximate.
Want a deeper read on this market?
Ask a RexMont agentMarket data from MLS GRID / NWMLS · Updated Oct 2026
Information and statistics derived from Northwest Multiple Listing Service. Source: Northwest Multiple Listing Service, as distributed by MLS GRID.
MLS GRID Disclaimer
Based on information submitted to the MLS GRID as of October 26, 2026 at 10:33 PM PT (date and time MLS GRID Data was obtained). 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.
Listing information courtesy of Northwest Multiple Listing Service (NWMLS). The listing data relating to real estate for sale on this web site comes in part from the Northwest Multiple Listing Service. Real estate listings held by brokerage firms other than RexMont Real Estate are marked with the “Listing courtesy of NWMLS” designation. Information provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Some IDX listings have been excluded from this website.
© 2026 Northwest Multiple Listing Service. All rights reserved.
HO
Equal Housing Opportunity. RexMont Real Estate is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
