2104 Riverstone Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 2104 Riverstone Loop, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,790 sqft · built 2022
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Oct 2021)
Tax Bill	$5,227 (2025)
Deeds & Mortgages	Jun 2021 Construction Loan Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390218-518222-0000`

Property Details

APN / Parcel Number

Primary APN	`390218-518222-0000`
Alternative APNs	`187455` `585905`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,790 sqft Living Area
Gross Area	3,294 sqft
1st Floor Area	1,244 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Balcony Area	159 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	187455
Street Address	2104 RIVERSTONE LOOP
City	FERNDALE
State	WA
Zip	98248-8024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	MALLOY TERRACE PHASE II LOT 137
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	MALLOY TERRACE PHASE II
Legal Phase	2
Legal Block	1
Legal Lot Number	137
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1019
Census Tract	10505

Owner

Source: Whatcom County records, as of April 2, 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	2104 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Construction Mortgage WASHINGTON FEDERAL NA
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Oct 22, 2021 · Amount on Record
Deed Document Number	20213532
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2104 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000603687
Date	Jun 22, 2021
Instrument	2021-0603687

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 22, 2021
Property Address	2104 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	0001003532
Map Reference	FILE 2020-0700367
Instrument Date	Sep 20, 2021
Instrument	2021-1003532
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,052.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 RIVERSTONE LOOP, FERNDALE, WA 98248-8024

Mortgage

Document Number	0001003533
Date	Oct 22, 2021
Instrument	2021-1003533

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,227.00 (+447.9%)	$699,846 (+15.06%) Land $152,775 Building $547,071	$699,846 (+15.06%) Land $152,775 Building $547,071
2022		$608,241 Land $140,445 Building $467,796	$608,241 Land $140,445 Building $467,796
2021	$954.00

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 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 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

May also be available: Verizon.

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