2008 Main St, Ferndale, WA 98248 Property Records

Whatcom County property record for 2008 Main St, Ferndale, WA 98248

Property Summary

Property Type	Restaurant
Details	2,400 sqft · built 1920
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jan 2023)
Tax Bill	$2,764 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`390229-135501-0000`

Property Details

APN / Parcel Number

Primary APN	`390229-135501-0000`
Alternative APNs	`558413` `98430` `68664`

Interior

Building Area	2,400 sqft Gross Area
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1998
Exterior Material	Brick
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	98430
Street Address	2008 MAIN ST
City	FERNDALE
State	WA
Zip	98248-9468
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	CTC
Legal Description	FERNDALE AM SWLY 5 FT OF NWLY 30 FT OF LOT 16-NWLY 30 FT OF LOTS 18-20 BLK 5
Legal Range	02
Legal Township	39
Legal Section	29
Legal Subdivision	FERNDALE AM
Legal Block	5
Legal Lot Number	16
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2029
Census Tract	10506

Owner

Source: Whatcom County records, as of December 30, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	2008 MAIN ST, FERNDALE, WA 98248-9468
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Warranty Deed, Transfer · Commercial Mortgage JOE KIM
Feb 1, 2019	Warranty Deed, Transfer · Conventional Mortgage MICHAEL D & MARY J LEWIS
Jan 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	2023221
Prior Transfer Date	Dec 12, 2022
Prior Transfer Doc	0000000221
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 5, 2023
Property Address	2008 MAIN ST, FERNDALE, WA 98248-9468
Document Number	0000100221
Map Reference	VOL 5 PG 4
Instrument Date	Dec 12, 2022
Instrument	2023-0100221
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,925.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100220
Date	Jan 5, 2023
Instrument	2023-0100220

Lender

Name	JOE KIM
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Feb 1, 2019
Property Address	2008 MAIN ST, FERNDALE, WA 98248-9468
Document Number	2190200012
Instrument Date	Jan 25, 2019
Instrument	200012
Transaction Type	Transfer
Record Updated	Feb 11, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,879.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 ASH ST LYNDEN WA 982649393, LYNDEN, WA 98264-9393

Mortgage

Document Number	2190200013
Date	Feb 1, 2019
Instrument	200013

Lender

Name	MICHAEL D & MARY J LEWIS
Address	113 6TH ST, LYNDEN, WA 98264-1901
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 31, 2022

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 15, 2019
Property Address	2008 MAIN ST, FERNDALE, WA 98248-9468
Document Number	2190101106
Instrument Date	Jan 11, 2019
Instrument	101106
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	757 JORGENSEN PL BELLINGHAM WA 982269794, BELLINGHAM, WA 98226-9794

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	$2,764.00 (+8.01%)	$371,496 (-7.48%) Land $110,468 Building $261,028	$371,496 (-7.48%) Land $110,468 Building $261,028
2022		$401,549 Land $85,863 Building $315,686	$401,549 Land $85,863 Building $315,686
2021	$2,559.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 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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