Whatcom County property record for 2095 Roxy Loop, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,840 sqft · built 2012 |
| Lot Size | 0.057 acres (2,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,000 (Sep 2019) |
| Tax Bill | $3,846 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Sep 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 564597 |
| Primary APN | 564597 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| 2nd Floor Area | 700 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 | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 60 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 564597 |
|---|---|
| Street Address | 2095 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 122 |
| Legal Range | 02 |
| Legal Township | 39 |
| Legal Section | 17 |
| Legal Subdivision | MALLOY VILLAGE PUD PHASES II & III |
| Legal Phase | 3 |
| Legal Lot Number | 122 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2095 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK |
| Sep 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AUTH |
| Sep 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Sep 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Sep 10, 2019 | Warranty Deed, Transfer CALIBER HM LOANS |
| Aug 14, 2017 | Grant Deed, Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2019 · Amount on Record |
| Deed Sale | Sep 10, 2019 · Amount on Record |
| Prior Sale | Oct 9, 2012 · Amount on Record |
| Deed Document Number | 2019-0901011 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2095 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2210102961 |
| Instrument Date | Jan 12, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Address | 2095 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2210102961 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 102961 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | TIGARD, OR 97224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 19, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2095 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2191001241 |
| Instrument Date | Sep 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 1000 2ND AVE #2700 SEATTLE WA 981043601, 2700, SEATTLE, WA 98104-3601 |
| Document Number | 2191001241 |
|---|---|
| Date | Oct 9, 2019 |
| Instrument | 1001241 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | SEATTLE, WA 98104-3601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2095 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2191001271 |
| Instrument Date | Sep 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2095 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2191001271 |
|---|---|
| Date | Oct 9, 2019 |
| Instrument | 1001271 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | SEATTLE, WA 98104-3601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2095 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2191001343 |
| Instrument Date | Sep 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 2095 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2191001343 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 1001343 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | SEATTLE, WA 98104-3601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 9, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 10, 2019 |
| Property Address | 2095 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2190901011 |
| Instrument Date | Sep 3, 2019 |
| Instrument | 901011 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,217.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2095 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2190901012 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 901012 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 9, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 14, 2017 |
| Property Address | 2095 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 | $3,846.00 (+19.33%) | $513,473 (+18.7%) Land $165,870 Building $347,603 | $513,473 (+18.7%) Land $165,870 Building $347,603 |
| 2022 | $432,572 Land $112,356 Building $320,216 | $432,572 Land $112,356 Building $320,216 | |
| 2021 | $3,223.00 |
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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