1845 Eastgate Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 1845 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	Individual Name on File
Last Sale	$750,000 (Jul 2021)
Tax Bill	$5,293 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390217-325095-0000`

Property Details

APN / Parcel Number

Primary APN	`390217-325095-0000`
Alternative APNs	`186720` `582130`

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	Combination
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	186720
Street Address	1845 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 4
Legal Range	02
Legal Township	39
Legal Section	17
Legal Subdivision	EAST GATE
Legal Block	1
Legal Lot Number	4
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10505

Owner

1845 Eastgate Loop, a duplex, is owned by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 5002, BELLINGHAM, WA 98227-5002
Owner Type	Individual
Vesting	Surviving Spouse

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
Jul 7, 2021	Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jul 7, 2021	Warranty Deed, Transfer · FHA Mortgage UPWELL MORTGAGE INC
Sep 30, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Jul 7, 2021 · Amount on File
Deed Document Number	2021810
Prior Transfer Date	Jul 1, 2021
Prior Transfer Doc	0000000811
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jul 7, 2021
Property Address	1845 EASTGATE LOOP, FERNDALE, WA 98248-8636
Document Number	20210700811
Map Reference	AF 2019-0903375
Instrument Date	Jul 1, 2021
Instrument	2021-0700811
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5002, BELLINGHAM, WA 98227-5002

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 7, 2021
Property Address	1845 EASTGATE LOOP, FERNDALE, WA 98248-8636
Document Number	20210700810
Map Reference	AF 2019-0903375
Instrument Date	Jun 23, 2021
Instrument	2021-0700810
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	CHICAGO TITLE

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	PO BOX 5002, BELLINGHAM, WA 98227-5002

Mortgage

Document Number	20210700812
Date	Jul 7, 2021
Instrument	2021-0700812

Lender

Name	UPWELL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 30, 2020
Property Address	1845 EASTGATE LOOP, FERNDALE, WA 98248-8636
Document Number	2200905642
Instrument Date	Sep 23, 2020
Instrument	905642
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 17, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	546 GALLEGOS CIR ERIE CO 805162503, ERIE, CO 80516-2503

Mortgage

Document Number	2200905643
Date	Sep 30, 2020
Instrument	905643

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1845 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	$3,734.00

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

Flood

FEMA maps place 1845 Eastgate Loop in Zone X, an area of minimal flood risk.

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
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 1845 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	Indirect within ember reach

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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Verizon, Ziply Fiber.

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