2159 Ferndale Ter, Ferndale, WA 98248 Property Records

Whatcom County property record for 2159 Ferndale Ter, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,232 sqft · built 1950
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$5,125,000 (Aug 2020)
Tax Bill	$3,188 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390219-487140-0000`

Property Details

APN / Parcel Number

Primary APN	`390219-487140-0000`
Alternative APNs	`572661` `94858`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,519 sqft
1st Floor Area	952 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2009
Architectural Style	Multi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	115 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	94858
Street Address	2159 FERNDALE TER
City	FERNDALE
State	WA
Zip	98248-9255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS6.5
Legal Description	SIDDLE ADD TO FERNDALE LOT 8
Legal Range	02
Legal Township	39
Legal Section	19
Legal Subdivision	SIDDLE ADD TO FERNDALE
Legal Block	1
Legal Lot Number	8
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1022
Census Tract	10506

Owner

2159 Ferndale Ter is owned and occupied by two individuals who bought it in August 2020.

Source: Whatcom County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 2, 2026	Deed of Trust, Mortgage · FHA Mortgage CHICAGO TITLE W, CHICAGO TITLE
Oct 24, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 14, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 21, 2020	Warranty Deed, Transfer · FHA Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Prior Sale	Aug 21, 2020 · Amount on File
Deed Document Number	202083614
Prior Transfer Date	May 8, 2003
Prior Transfer Doc	0000506586
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Sep 2, 2026
Property Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255
Document Number	0000000251
Instrument Date	Jul 13, 2026
Instrument	2026251
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255

Mortgage

Document Number	0000000251,
Date	Sep 2, 2026
Instrument	2026251

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Aug 1, 2066

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255

Mortgage

Document Number	0001001696
Date	Oct 24, 2023
Instrument	2023-1001696

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	19 Months
Due	May 1, 2025

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255

Mortgage

Document Number	0000401510
Date	Apr 14, 2022
Instrument	2022-0401510

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 21, 2020
Property Address	2159 FERNDALE TER, FERNDALE, WA 98248-9255
Document Number	2200803614
Instrument Date	Jun 19, 2020
Instrument	803614
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,125.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 FERNDALE TER FERNDALE WA 982489255, FERNDALE, WA 98248-9255

Mortgage

Document Number	2200803615
Date	Aug 21, 2020
Instrument	803615

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

Mortgage

Document Number	2200803616,
Date	Aug 21, 2020
Instrument	803616

Lender

Name	HOUSING FIN AUTH
Address	1000 2ND AVE # 2700, SEATTLE, WA 98104-3601

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2159 Ferndale Ter was $3,188.

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	$3,188.00	$425,882 Land $224,070 Building $201,812	$425,882 Land $224,070 Building $201,812
2022		$332,821 Land $159,171 Building $173,650	$332,821 Land $159,171 Building $173,650
2021	$2,480.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2159 Ferndale Ter in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2021.

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	5 in force
Nearby Flood Claims	5 (2021–2025)
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 5 claims

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 2159 Ferndale Ter 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ziply Fiber.

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