Whatcom County property record for 2089 Roxy Loop, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,968 sqft · built 2012 |
| Lot Size | 0.057 acres (2,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $358,000 (Jun 2018) |
| Tax Bill | $3,976 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 552184 |
| Primary APN | 552184 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,192 sqft |
| 2nd Floor Area | 776 sqft |
| Basement Area | 540 sqft |
| Unfinished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 2,522 sqft (0.057 acres) |
| Garage Type | Built-in |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Deck Area | 96 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 552184 |
|---|---|
| Street Address | 2089 ROXY LOOP |
| City | FERNDALE |
| State | WA |
| Zip | 98248-8403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS8.5 |
| Legal Description | MALLOY VILLAGE PUD PHASE III LOT 119 |
| Legal Range | 02 |
| Legal Township | 39 |
| Legal Section | 17 |
| Legal Subdivision | MALLOY VILLAGE PUD PHASES II & III |
| Legal Phase | 3 |
| Legal Lot Number | 119 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10505 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5912 PONDEROSA CT, FERNDALE, WA 98248-8753 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK |
| Jun 12, 2018 | Warranty Deed, Transfer · Conventional with PMI PEOPLES BK |
| Aug 14, 2017 | Grant Deed, Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2018 · Amount on Record |
| Deed Sale | Jun 12, 2018 · Amount on Record |
| Prior Sale | Oct 9, 2012 · Amount on Record |
| Deed Document Number | 2018-0601241 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2089 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2200701474 |
| Instrument Date | Jul 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2089 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2200701474 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 701474 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 12, 2018 |
| Property Address | 2089 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2180601241 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 601241 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,377.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2089 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2180601242 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 601242 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 14, 2017 |
| Property Address | 2089 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 801454 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 22410 HAWTHORNE BLVD #5 TORRANCE CA 905052500, 5, TORRANCE, CA 90505-2500 |
| Document Number | 2170801454 |
|---|---|
| Date | Aug 14, 2017 |
| Instrument | 801454 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | 3410 WOBURN ST, BELLINGHAM, WA 98226-5621 |
| Amount | Amount Recorded |
|---|
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Ferndale City |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,976.00 (-3.4%) | $530,781 (-3.41%) Land $165,870 Building $364,911 | $530,781 (-3.41%) Land $165,870 Building $364,911 |
| 2024 | $4,116.00 (+14.11%) | $549,505 (+13.53%) Land $171,000 Building $378,505 | $549,505 (+13.53%) Land $171,000 Building $378,505 |
| 2022 | $484,011 Land $112,356 Building $371,655 | $484,011 Land $112,356 Building $371,655 | |
| 2021 | $3,607.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 271 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 |
| Starlink Satellite | 280 / 30 |
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