1809 Eastgate Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 1809 Eastgate Loop, Ferndale, WA 98248

Property Summary

Property Type	Duplex
Details	2,832 sqft · built 2020
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Nov 2021)
Tax Bill	$5,293 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390217-325073-0000`

Property Details

APN / Parcel Number

Primary APN	`390217-325073-0000`
Alternative APNs	`186737` `587039`

Interior

Stories	2 Stories
Building Area	2,832 sqft Living Area
Gross Area	4,104 sqft
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Duplex Single
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	1,272 sqft
Parking Spaces	5 Parking Spaces
Deck Area	144 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	186737
Street Address	1809 EASTGATE LOOP
City	FERNDALE
State	WA
Zip	98248-8636
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MCD
Legal Description	EAST GATE LOT 21
Legal Range	02
Legal Township	39
Legal Section	17
Legal Subdivision	EAST GATE
Legal Block	1
Legal Lot Number	21
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10505

Owner

1809 Eastgate Loop, a duplex, is owned by two individuals who bought it in November 2021.

Source: Whatcom County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4215 MERIDIAN ST 105, 105
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 5, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GREGG COOLEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on File
Deed Sale	Nov 30, 2021 · Amount on File
Prior Sale	Nov 30, 2021 · Amount on File
Deed Document Number	20214335
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 30, 2021
Property Address	1809 EASTGATE LOOP, FERNDALE, WA 98248-8636
Document Number	0001104335
Map Reference	AF 2019-0903375
Instrument Date	Nov 16, 2021
Instrument	2021-1104335
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,455.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4215 MERIDIAN ST # 105, 105, BELLINGHAM, WA 98226-5512

Mortgage

Document Number	0001104336
Date	Nov 30, 2021
Instrument	2021-1104336

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 5, 2021
Property Address	1809 EASTGATE LOOP, FERNDALE, WA 98248-8636
Document Number	0000301057
Map Reference	AF 219-0903375
Instrument Date	Mar 2, 2021
Instrument	2021-0301057
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,550.31
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 9, FERNDALE, WA 98248-0009

Mortgage

Document Number	0000301058
Date	Mar 5, 2021
Instrument	2021-0301058

Lender

Name	GREGG COOLEY
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1809 Eastgate Loop was $5,293.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,293.00	$708,309 Land $224,070 Building $484,239	$708,309 Land $224,070 Building $484,239
2022		$635,656 Land $187,260 Building $448,396	$635,656 Land $187,260 Building $448,396
2021	$1,272.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1809 Eastgate Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1809 Eastgate Loop is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNDALE serves 19,305 people · EPA ID WA5324850
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

Nearby Properties on Eastgate Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures