2159 Riverstone Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 2159 Riverstone Loop, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,918 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$499,900 (Apr 2021)
Tax Bill	$4,269 (2025)
Deeds & Mortgages	Jan 2023 Transfer Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390218-466155-0000`

Property Details

APN / Parcel Number

Primary APN	`390218-466155-0000`
Alternative APNs	`186229` `579799`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,918 sqft Living Area
Gross Area	2,415 sqft
1st Floor Area	1,027 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
Balcony Area	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	186229
Street Address	2159 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 68
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	MALLOY TERRACE PHASE I
Legal Phase	1
Legal Block	1
Legal Lot Number	68
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1019
Census Tract	10505

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	2159 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Intrafamily Transfer, Transfer
Apr 28, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Dec 14, 2020	Deed of Trust, Construction Loan · Construction Mortgage WASHINGTON FED'L BK
May 29, 2020	Warranty Deed, Transfer CHICAGO TITLE BELLINGHAM

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Prior Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	20215053
Record Updated	Jun 8, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jan 6, 2023
Property Address	2159 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	0000100303
Map Reference	AF 2019-0702225
Instrument Date	Nov 30, 2022
Instrument	2023-0100303
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 28, 2021
Property Address	2159 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	0000405053
Map Reference	AF 2019-0702225
Instrument Date	Apr 19, 2021
Instrument	2021-0405053
Transaction Type	Subdivision Related Transfer
Record Updated	May 27, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,003.40
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	2033 14TH AVE SW, OLYMPIA, WA 98502-5797

Mortgage

Document Number	0000405054
Date	Apr 28, 2021
Instrument	2021-0405054

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Dec 14, 2020
Property Address	2159 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	2201202474
Instrument Date	Dec 8, 2020
Instrument	1202474
Transaction Type	Construction Loan
Record Updated	Dec 21, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2159 RIVERSTONE LOOP FERNDALE WA 982488024, FERNDALE, WA 98248-8024
Investor	Possibly a Property Investor

Mortgage

Document Number	2201202474
Date	Dec 14, 2020
Instrument	1202474

Lender

Name	WASHINGTON FED'L BK
Address	SEATTLE, WA 98101

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 29, 2020
Property Address	2159 RIVERSTONE LOOP, FERNDALE, WA 98248-8024
Document Number	2200503359
Instrument Date	May 20, 2020
Instrument	503359
Transaction Type	Transfer
Record Updated	Jul 16, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Tax	$1,765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4636 BEDFORD AVE BELLINGHAM WA 982261207, BELLINGHAM, WA 98226-1207

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	$4,269.00 (+347.48%)	$571,321 (+6.84%) Land $152,775 Building $418,546	$571,321 (+6.84%) Land $152,775 Building $418,546
2022		$534,736 Land $140,445 Building $394,291	$534,736 Land $140,445 Building $394,291
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.

Nearby Properties on Riverstone Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures