2002 Cherry St, Ferndale, WA 98248 Property Records

Whatcom County property record for 2002 Cherry St, Ferndale, WA 98248

Property Summary

Property Type	Quadplex
Details	3 bd · 3 ba · 6,986 sqft · built 2018
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$753,090 (Jun 2026)
Tax Bill	$12,306 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2018 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`390229-121401-0000`

Property Details

APN / Parcel Number

Primary APN	`390229-121401-0000`
Alternative APNs	`181078` `556915` `537944`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Units	4 Units
Stories	2 Stories
Building Area	6,986 sqft Living Area
Gross Area	10,507 sqft
1st Floor Area	3,493 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Quadruplex
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	3,521 sqft
Parking Spaces	12 Parking Spaces
Porch	Wood Porch
Porch Area	1,442 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	181078
Street Address	2002 CHERRY ST
City	FERNDALE
State	WA
Zip	98248-7841
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	URR
Legal Description	LOT B FERNDALES FRONT STREET LLA AS REC AF 2070304685-EXC THAT PTN LY WITHIN TR FKA LOTS 33-34 BLK 4 FERNDALE AM-EXC PTN TO CITY OF FERNDALE FOR ST DESC AF 2018-1102313
Legal Range	02
Legal Township	39
Legal Section	29
Legal Subdivision	FERNDALES FRONT STREET LLA
Legal Block	2
Legal Lot Number	B,3
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2032
Census Tract	10506

Owner

Source: Whatcom County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3302 WHIPPLE CT, BELLINGHAM, WA 98226-8691
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Dec 18, 2018	Deed of Trust, Mortgage PEOPLES BK
Nov 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 1, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 24, 2018	Deed of Trust, Mortgage M&L COMMERCIAL LLC
Jan 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Jan 12, 2017 · Amount on Record
Deed Document Number	20261600
Prior Transfer Date	Nov 15, 2018
Prior Transfer Doc	0000001600
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2002 CHERRY ST, FERNDALE, WA 98248-7841
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100765
Date	Jan 7, 2022
Instrument	2022-0100765

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2002 CHERRY ST, FERNDALE, WA 98248-7841
Document Number	2181201857
Instrument Date	Dec 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2002 CHERRY ST FERNDALE WA 982487841, FERNDALE, WA 98248-7841

Mortgage

Document Number	2181201857
Date	Dec 20, 2018
Instrument	1201857

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 27, 2018
Property Address	2002 CHERRY ST, FERNDALE, WA 98248-7841
Document Number	2181102316
Instrument Date	Nov 15, 2018
Instrument	1102316
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$12,465.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2002 CHERRY ST FERNDALE WA 982487841, FERNDALE, WA 98248-7841

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 1, 2018
Property Address	2002 CHERRY ST, FERNDALE, WA 98248-7841
Document Number	2180800161
Instrument Date	Aug 1, 2018
Instrument	800161
Transaction Type	Transfer
Record Updated	Aug 10, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3302 WHIPPLE CT BELLINGHAM WA 982268691, BELLINGHAM, WA 98226-8691

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2002 CHERRY ST, FERNDALE, WA 98248-7841
Document Number	2180402746
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 7, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3302 WHIPPLE CT BELLINGHAM WA 982268691, BELLINGHAM, WA 98226-8691

Mortgage

Document Number	2180402746
Date	Apr 25, 2018
Instrument	402746

Lender

Name	M&L COMMERCIAL LLC
Address	16060 VENTURA BLVD # 473, ENCINO, CA 91436-2761

Agreement

Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 12, 2017
Property Address	2002 CHERRY ST, FERNDALE, WA 98248-7841
Document Number	2170101276
Instrument Date	Jan 12, 2017
Instrument	101276
Transaction Type	Transfer
Record Updated	Feb 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3302 WHIPPLE CT BELLINGHAM WA 982268691, BELLINGHAM, WA 98226-8691

Tax Assessment & Valuation

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	$12,306.00 (-5.53%)	$1,649,270 (-4.71%) Land $183,330 Building $1,465,940	$1,649,270 (-4.71%) Land $183,330 Building $1,465,940
2022		$1,730,749 Land $169,950 Building $1,560,799	$1,730,749 Land $169,950 Building $1,560,799
2021	$13,027.00

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

Flood

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 Record median of 39 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	75 units insured incl. 36 condo units
Nearby Flood Claims	13 (2009–2025)
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 12 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 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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