2089 Calico Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 2089 Calico Loop, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 2008
Lot Size	0.104 acres (4,548 sqft)
Owner	Owner Name on Record
Last Sale	$230,000 (Jan 2015)
Tax Bill	$3,703 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`517674`

Property Details

APN / Parcel Number

Primary APN	`517674`
Alternative APNs	`390217 044243 0000` `92068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,548 sqft (0.104 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	142 sqft
Deck Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other

Location & Zoning

Account Number	517674
Street Address	2089 CALICO LOOP
City	FERNDALE
State	WA
Zip	98248-8383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	MALLOY VILLAGE PUD PHASE III LOT 131
Legal Range	02
Legal Township	39
Legal Section	17
Legal Subdivision	MALLOY VILLAGE PUD PHASES II & III
Legal Phase	3
Legal Lot Number	131
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1009
Census Tract	10505

Owner

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

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

Owner of Record	Owner Name on Record
Mailing Address	2089 CALICO LOOP, FERNDALE, WA 98248-8383
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CREDIT UNION
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA ST BK
May 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Last Sale	Jan 26, 2015 · Amount on Record
Deed Sale	Jan 26, 2015 · Amount on Record
Prior Sale	May 2, 2008 · Amount on Record
Deed Document Number	2150102172
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2089 CALICO LOOP, FERNDALE, WA 98248-8383
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001101122
Date	Nov 17, 2023
Instrument	2023-1101122

Lender

Name	INDUSTRIAL CREDIT UNION
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2089 CALICO LOOP, FERNDALE, WA 98248-8383
Document Number	2200800651
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	GUARDIAN NW TITLE COMPANY, GUARDIAN NW TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2089 CALICO LOOP FERNDALE WA 982488383, FERNDALE, WA 98248-8383

Mortgage

Document Number	2200800651
Date	Aug 5, 2020
Instrument	800651

Lender

Name	COLUMBIA ST BK
Type	Bank
Address	TACOMA, WA 98402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 4, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2089 CALICO LOOP, FERNDALE, WA 98248-8383
Document Number	2190500676
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2089 CALICO LOOP FERNDALE WA 982488383, FERNDALE, WA 98248-8383

Mortgage

Document Number	2190500676
Date	May 7, 2019
Instrument	500676

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 6, 2034

Tax Assessment & Valuation

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	$3,703.00 (+25.74%)	$494,394 (+25.09%) Land $165,870 Building $328,524	$494,394 (+25.09%) Land $165,870 Building $328,524
2022		$395,244 Land $112,356 Building $282,888	$395,244 Land $112,356 Building $282,888
2021	$2,945.00

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 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

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 235 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

May also be available: Verizon.

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