2046 Maple St, Ferndale, WA 98248 Property Records

Whatcom County property record for 2046 Maple St, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1941
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Apr 2021)
Tax Bill	$2,786 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`390229-068462-0000`

Property Details

APN / Parcel Number

Primary APN	`390229-068462-0000`
Alternative APNs	`98331` `74038` `58788`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	720 sqft Living Area
Gross Area	856 sqft
1st Floor Area	720 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2017
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	176 sqft
Deck Area	310 sqft
Storage Building	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	98331
Street Address	2046 MAPLE ST
City	FERNDALE
State	WA
Zip	98248-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URR
Legal Description	FERNDALE AM LOTS 11-12-13 BLK 17
Legal Range	02
Legal Township	39
Legal Section	29
Legal Subdivision	FERNDALE AM
Legal Block	17
Legal Lot Number	11-12
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
Census Tract	10506

Owner

2046 Maple St is owned by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1056 W 58TH TER, FERNDALE, WA 98248-8805
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2021 · Amount on File
Deed Sale	Apr 14, 2021 · Amount on File
Prior Sale	Apr 14, 2021 · Amount on File
Deed Document Number	20212578
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 14, 2021
Property Address	2046 MAPLE ST, FERNDALE, WA 98248-2016
Document Number	0000402578
Map Reference	VOL 5 PG 4
Instrument Date	Apr 5, 2021
Instrument	2021-0402578
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,085.00
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	1056 W 58TH TER, FERNDALE, WA 98248-8805

Mortgage

Document Number	0000402579
Date	Apr 14, 2021
Instrument	2021-0402579

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2046 Maple St was $2,786.

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	$2,786.00	$372,128 Land $209,290 Building $162,838	$372,128 Land $209,290 Building $162,838
2022		$339,896 Land $188,436 Building $151,460	$339,896 Land $188,436 Building $151,460
2021	$2,533.00

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

Flood

FEMA maps place 2046 Maple 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 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

Wildfire risk around 2046 Maple 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.

Nearby Properties on Maple St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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