2136 Riverstone Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 2136 Riverstone Loop, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,445 sqft · built 2021
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$579,450 (May 2022)
Tax Bill	$4,736 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390218-435184-0000`

Property Details

APN / Parcel Number

Primary APN	`390218-435184-0000`
Alternative APNs	`187426` `591916`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,445 sqft Living Area
Gross Area	2,930 sqft
1st Floor Area	1,079 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Covered Concrete/Masonry Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	187426
Street Address	2136 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 108
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	MALLOY TERRACE PHASE II
Legal Phase	2
Legal Block	1
Legal Lot Number	108
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1019
Census Tract	10505

Owner

2136 Riverstone Loop is owned and occupied by two individuals who bought it in May 2022.

Source: Whatcom County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2136 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	Sep 30, 2020 · Amount on File
Deed Document Number	20223107
Prior Transfer Date	Sep 27, 2020
Prior Transfer Doc	0000905759
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 27, 2022
Property Address	2136 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	0000503107
Map Reference	AF 2020-0700367
Instrument Date	May 4, 2022
Instrument	2022-0503107
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,419.21
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	2136 RIVERSTONE LOOP, FERNDALE, WA 98248-8024

Mortgage

Document Number	0000503108
Date	May 27, 2022
Instrument	2022-0503108

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2136 Riverstone Loop was $4,736.

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	$4,736.00	$633,903 Land $152,775 Building $481,128	$633,903 Land $152,775 Building $481,128
2022		$593,757 Land $140,445 Building $453,312	$593,757 Land $140,445 Building $453,312
2021	$954.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2136 Riverstone Loop in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2136 Riverstone Loop is low, with a 0.01% annual chance of 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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