Whatcom County property record for 2097 Roxy Loop, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,860 sqft · built 2010 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $408,500 (Feb 2021) |
| Tax Bill | $3,917 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Feb 2021 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390217-076238-0000 |
| Primary APN | 390217-076238-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 918 sqft |
| Game Room | Game Room |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Concrete/Metal Slab |
| Porch Area | 24 sqft |
| Deck Area | 192 sqft |
| Account Number | 92130 |
|---|---|
| Street Address | 2097 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 123 |
| Legal Range | 02 |
| Legal Township | 39 |
| Legal Section | 17 |
| Legal Subdivision | MALLOY VILLAGE PUD PHASES II & III |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 123 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10505 |
Source: Whatcom County records, as of March 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU |
| Feb 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Jun 6, 2019 | Deed of Trust, Mortgage · Conventional with PMI WHATCOM EDUCATIONAL CU |
| Jun 10, 2019 | Warranty Deed, Transfer WHATCOM LAND TITLE |
| Aug 14, 2017 | Grant Deed, Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2021 · Amount on Record |
| Deed Sale | Feb 19, 2021 · Amount on Record |
| Prior Sale | Jun 10, 2019 · Amount on Record |
| Deed Document Number | 2021203461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 0000301475 |
|---|---|
| Date | Mar 19, 2026 |
| Instrument | 2026-0301475 |
| Name | BOEING EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | SEATTLE, WA 98124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Feb 19, 2021 |
| Property Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 0000203461 |
| Map Reference | AF 2060703633 |
| Instrument Date | Feb 1, 2021 |
| Instrument | 2021-0203461 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,541.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 0000203462 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021-0203462 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2200403565 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2097 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2200403565 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 403565 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2190600994 |
| Instrument Date | Jun 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2019 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2097 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2190600994 |
|---|---|
| Date | Jun 6, 2019 |
| Instrument | 600994 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, WA 98248 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 5, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 10, 2019 |
| Property Address | 2097 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2190600993 |
| Instrument Date | May 24, 2019 |
| Instrument | 600993 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2019 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,324.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2097 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 14, 2017 |
| Property Address | 2097 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 December 30, 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 | $3,917.00 (+16.65%) | $524,014 (+16.26%) Land $165,870 Building $358,144 | $524,014 (+16.26%) Land $165,870 Building $358,144 |
| 2022 | $450,727 Land $112,356 Building $338,371 | $450,727 Land $112,356 Building $338,371 | |
| 2021 | $3,358.00 |
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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