2156 Riverstone Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 2156 Riverstone Loop, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Oct 2024)
Tax Bill	$4,002 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`390218-442141-0000`

Property Details

APN / Parcel Number

Primary APN	`390218-442141-0000`
Alternative APNs	`186215` `577100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,748 sqft Living Area
Gross Area	2,318 sqft
1st Floor Area	1,070 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	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Deck Area	64 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	186215
Street Address	2156 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 1 LOT 54
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	MALLOY TERRACE PHASE I
Legal Phase	1
Legal Block	1
Legal Lot Number	54
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1019
Census Tract	10505

Owner

2156 Riverstone Loop is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2156 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

Date	Document
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage BKCO MTG LLC
Mar 30, 2020	Warranty Deed, Transfer CHICAGO TITLE BELLINGHAM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2024 · Amount on File
Deed Sale	Oct 24, 2024 · Amount on File
Prior Sale	Jan 20, 2021 · Amount on File
Deed Document Number	20241891
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 20, 2021
Property Address	2156 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	2210102999
Instrument Date	Jan 13, 2021
Instrument	102999
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,445.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2156 RIVERSTONE LOOP FERNDALE WA 982488024, FERNDALE, WA 98248-8024

Mortgage

Document Number	2210103000
Date	Jan 20, 2021
Instrument	103000

Lender

Name	BKCO MTG LLC
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 30, 2020
Property Address	2156 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	2200303542
Instrument Date	Mar 26, 2020
Instrument	303542
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Tax	$1,765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	20 WHITEHORN WAY BLAINE WA 98230, BLAINE, WA 98230

Tax Assessment & Valuation

The 2025 property tax bill for 2156 Riverstone Loop was $4,002.

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	$4,002.00	$535,458 Land $152,775 Building $382,683	$535,458 Land $152,775 Building $382,683
2022		$501,003 Land $140,445 Building $360,558	$501,003 Land $140,445 Building $360,558
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 2156 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 2156 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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