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2098 Roxy Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 2098 Roxy Loop, Ferndale, WA 98248

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,620 sqft · built 2012
Lot Size0.05 acres (2,178 sqft)
Owner2 Individual Names on Record
Last Sale$490,000 (Oct 2023)
Tax Bill$3,509 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Nov 2020 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN390217-083236-0000

Property Details

APN / Parcel Number

Primary APN390217-083236-0000
Alternative APNs
  • 567520
  • 92143
  • 85598

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,620 sqft Living Area
Gross Area2,060 sqft
1st Floor Area1,000 sqft
FlooringCarpet
Interior WallsFinished/Painted
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Architectural StyleMulti-Level
Exterior MaterialSiding Sheathing
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area2,178 sqft (0.05 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area40 sqft
Deck Area52 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number92143
Street Address2098 ROXY LOOP
CityFERNDALE
StateWA
Zip98248-8403
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS8.5
Legal DescriptionMALLOY VILLAGE PUD PHASE III LOT 112
Legal Range02
Legal Township39
Legal Section17
Legal SubdivisionMALLOY VILLAGE PUD PHASES II & III
Legal Phase3
Legal Block1
Legal Lot Number112
JurisdictionWHATCOM WA
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1010
Census Tract10505

Owner

Source: Whatcom County records, as of October 14, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2098 ROXY LOOP, FERNDALE, WA 98248-8403
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Oct 24, 2023Warranty Deed, Transfer · Conventional Mortgage
WHATCOM EDUCATIONAL CU
Nov 24, 2020Deed of Trust, Mortgage · Conventional with PMI
CALIBER HM LOANS
Dec 30, 2019Quit Claim Deed, Transfer
CALIBER HM LOANS
Dec 30, 2019Warranty Deed, Transfer · Conventional with PMI
CALIBER HM LOANS
Aug 14, 2017Grant Deed, Mortgage
WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 24, 2023 · Amount on Record
Deed SaleOct 24, 2023 · Amount on Record
Prior SaleDec 30, 2019 · Amount on Record
Deed Document Number20231671
Prior Transfer DateDec 8, 2010
Prior Transfer Doc0001201364
Record UpdatedOct 29, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateOct 24, 2023
Property Address2098 ROXY LOOP, FERNDALE, WA 98248-8403
Document Number0001001671
Map ReferenceAF 2060703633
Instrument DateOct 20, 2023
Instrument2023-1001671
Transaction TypeTransfer
Record UpdatedNov 1, 2023
Title CompanyCHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$7,845.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2098 ROXY LOOP, FERNDALE, WA 98248-8403

Mortgage

Document Number0001001672
DateOct 24, 2023
Instrument2023-1001672
Lender
NameWHATCOM EDUCATIONAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2053
Interest
Rate TypeAdjustable Rate
Rate6.12%
AdjustableAdjustable Rate Rider
Type Change DateNov 1, 2030
Change FrequencyMonthly
Min Rate At Change2.75%
Max Rate At Change11.1%
Max Rate11.1%

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address2098 ROXY LOOP, FERNDALE, WA 98248-8403
Document Number2201201755
Instrument DateNov 24, 2020
Transaction TypeMortgage
Record UpdatedDec 17, 2020
Title CompanyWHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2098 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403

Mortgage

Document Number2201201755
DateDec 9, 2020
Instrument1201755
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 8, 2050

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWHATCOM WA
Recording DateDec 30, 2019
Property Address2098 ROXY LOOP, FERNDALE, WA 98248-8403
Document Number2191203756
Instrument DateDec 27, 2019
Instrument1203756
Transaction TypeTransfer
Record UpdatedJun 1, 2020
Title CompanyWHATCOM LAND TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address2098 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403

Mortgage

Document Number2191203757
DateDec 30, 2019
Instrument1203757
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
AmountAmount Recorded
Term360 Months
DueDec 29, 2049

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateDec 30, 2019
Property Address2098 ROXY LOOP, FERNDALE, WA 98248-8403
Document Number2191203755
Instrument DateDec 27, 2019
Instrument1203755
Transaction TypeTransfer
Record UpdatedJun 1, 2020
Title CompanyWHATCOM LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,057.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address2098 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403

Mortgage

Document Number2191203757
DateDec 30, 2019
Instrument1203757
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 29, 2049

August 2017: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionWHATCOM WA
Recording DateAug 14, 2017
Property Address2098 ROXY LOOP, FERNDALE, WA 98248-8403
Instrument DateAug 9, 2017
Instrument801454
Transaction TypeMortgage
Record UpdatedAug 23, 2017
Title CompanyWHATCOM LAND TITLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address22410 HAWTHORNE BLVD #5 TORRANCE CA 905052500, 5, TORRANCE, CA 90505-2500

Mortgage

Document Number2170801454
DateAug 14, 2017
Instrument801454
Lender
NameWHATCOM EDUCATIONAL CU
TypeCredit Union
Address3410 WOBURN ST, BELLINGHAM, WA 98226-5621
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
MunicipalityFerndale City
Unified School DistrictFerndale School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,509.00 (+17.12%)$469,299 (+16.72%) Land $165,870 Building $303,429$469,299 (+16.72%) Land $165,870 Building $303,429
2022$402,068 Land $112,356 Building $289,712$402,068 Land $112,356 Building $289,712
2021$2,996.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4 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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemFERNDALE
serves 19,305 people · EPA ID WA5324850
Water SourceGroundwater
Last State InspectionMay 2025
Lead6 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 271 locations within half a mile, as of December 31, 2025

ProviderMax 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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