Whatcom County property record for 2099 Roxy Loop, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,747 sqft · built 2010 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $342,472 (Jun 2018) |
| Tax Bill | $3,658 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390217-079241-0000 |
| Primary APN | 390217-079241-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,747 sqft Living Area |
| Gross Area | 2,187 sqft |
| 1st Floor Area | 1,041 sqft |
| 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 | 15 sqft |
| Deck Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 92135 |
|---|---|
| Street Address | 2099 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 124 |
| 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 | 124 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10505 |
Source: Whatcom County records, as of June 3, 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 | 2099 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FED'L S&L ASSN/PORT ANGE |
| Apr 1, 2020 | Deed of Trust, Mortgage · Conventional with PMI WHATCOM EDUCATIONAL CU |
| Jun 18, 2018 | Warranty Deed, Transfer · Conventional with PMI WHATCOM EDUCATIONAL CU |
| Aug 14, 2017 | Grant Deed, Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2018 · Amount on Record |
| Deed Sale | Jun 18, 2018 · Amount on Record |
| Prior Sale | Dec 10, 2010 · Amount on Record |
| Deed Document Number | 2018601920 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2099 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2200904336 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2099 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2200904336 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 904336 |
| Name | FIRST FED'L S&L ASSN/PORT ANGE |
|---|---|
| Address | PORT ANGELES, WA 98362-0055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 24, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2099 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2200400517 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2099 ROXY LOOP FERNDALE WA 982488403, FERNDALE, WA 98248-8403 |
| Document Number | 2200400517 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 400517 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 18, 2018 |
| Property Address | 2099 ROXY LOOP, FERNDALE, WA 98248-8403 |
| Document Number | 2180601920 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 601920 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,101.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1835 BILLIE CT FERNDALE WA 982488389, FERNDALE, WA 98248-8389 |
| Document Number | 2180601921 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 601921 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 17, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 14, 2017 |
| Property Address | 2099 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 | $3,658.00 (+17.47%) | $489,264 (+17.08%) Land $165,870 Building $323,394 | $489,264 (+17.08%) Land $165,870 Building $323,394 |
| 2022 | $417,899 Land $112,356 Building $305,543 | $417,899 Land $112,356 Building $305,543 | |
| 2021 | $3,114.00 |
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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