1943 Main St, Ferndale, WA 98248 Property Records

Whatcom County property record for 1943 Main St, Ferndale, WA 98248

Property Summary

Property Type	Medical Building
Details	5,877 sqft · built 2017
Lot Size	0.413 acres (17,999 sqft)
Owner	Company Name on File
Tax Bill	$12,066 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`38050`

Property Details

APN / Parcel Number

Primary APN	`38050`
Alternative APNs	`390229 210424 0000` `184576`

Interior

Building Area	5,877 sqft Total Area
1st Floor Area	5,877 sqft

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Lot Area	17,999 sqft (0.413 acres)
Canopy	340 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	38050
Street Address	1943 MAIN ST
City	FERNDALE
State	WA
Zip	98248-7730
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Local Zoning Code	MCD
Legal Description	LOTS A-B NATURAL WAY CHIROPRACTIC LLA AS REC AF 2070903430-SUBJ TO COVENANT TO BIND PROPERTIES DESC AF 2018-0101097
Legal Range	02
Legal Township	39
Legal Section	29
Legal Subdivision	NATURAL WAY CHIROPRACTIC LLA
Legal Lot Number	A
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2050
Census Tract	10503

Owner

1943 Main St, a commercial property, is owned by a company.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Company Name on File
Mailing Address	2351 NORTHSHORE RD, BELLINGHAM, WA 98226-7851
Owner Type	Company

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
Mar 14, 2018	Deed of Trust, Mortgage US BK
Mar 14, 2018	Deed of Trust, Mortgage US BK
Mar 14, 2017	Trustee's Deed, Construction Loan · Construction Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1943 MAIN ST, FERNDALE, WA 98248-7730
Document Number	2180301563
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2351 NORTHSHORE RD BELLINGHAM WA 982267851, BELLINGHAM, WA 98226-7851

Mortgage

Document Number	2180301563
Date	Mar 15, 2018
Instrument	301563

Lender

Name	US BK
Type	Bank
Address	555 SW OAK ST, PORTLAND, OR 97204-1752

Agreement

Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1943 MAIN ST, FERNDALE, WA 98248-7730
Document Number	2180301562
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2351 NORTHSHORE RD BELLINGHAM WA 982267851, BELLINGHAM, WA 98226-7851

Mortgage

Document Number	2180301562
Date	Mar 15, 2018
Instrument	301562

Lender

Name	US BK
Type	Bank
Address	555 SW OAK ST, PORTLAND, OR 97204-1752

Agreement

Amount	Amount on Record

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 14, 2017
Property Address	1943 MAIN ST, FERNDALE, WA 98248-7730
Instrument Date	Mar 10, 2017
Instrument	301452
Transaction Type	Construction Loan
Record Updated	Jan 10, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1943 MAIN ST FERNDALE WA 982489451, FERNDALE, WA 98248-9451

Mortgage

Document Number	2170301452
Date	Mar 14, 2017
Instrument	301452

Lender

Name	UMPQUA BK
Type	Bank
Address	PO BOX 1580, ROSEBURG, OR 97470-0367

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1943 Main St was $12,066.

Source: Whatcom County assessment roll, as of May 31, 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	$12,066.00	$1,610,656 Land $467,208 Building $1,143,448	$1,610,656 Land $467,208 Building $1,143,448
2022		$1,663,057 Land $395,887 Building $1,267,170	$1,663,057 Land $395,887 Building $1,267,170
2021	$11,154.00

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

Flood

FEMA maps place 1943 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 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 1943 Main St 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	None beyond 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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