2425 Nicholas Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 2425 Nicholas Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1997
Lot Size	0.206 acres (8,999 sqft)
Owner	2 Individual Names on Record
Tax Bill	$780 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16124`

Property Details

APN / Parcel Number

Primary APN	`16124`
Alternative APNs	`390218 079195 0000` `92929`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1997
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,999 sqft (0.206 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	56 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	16124
Street Address	2425 NICHOLAS DR
City	FERNDALE
State	WA
Zip	98248-8772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	RYANS GLEN LOT 1
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	RYANS GLEN
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	10505

Owner

Source: Whatcom County records, as of March 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2425 NICHOLAS DR, FERNDALE, WA 98248-8772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Aug 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2425 NICHOLAS DR, FERNDALE, WA 98248-8772
Document Number	2200701687
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2425 NICHOLAS DR FERNDALE WA 982488772, FERNDALE, WA 98248-8772

Mortgage

Document Number	2200701687
Date	Jul 13, 2020
Instrument	701687

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2425 NICHOLAS DR, FERNDALE, WA 98248-8772
Document Number	2180801661
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 NICHOLAS DR FERNDALE WA 982488772, FERNDALE, WA 98248-8772

Mortgage

Document Number	2180801661
Date	Aug 16, 2018
Instrument	801661

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2425 NICHOLAS DR, FERNDALE, WA 98248-8772
Document Number	2170900001
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 18, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 NICHOLAS DR FERNDALE WA 982488772, FERNDALE, WA 98248-8772

Mortgage

Document Number	2170900001
Date	Sep 1, 2017
Instrument	900001

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$780.00 (+220.99%) Disabled Person's exemption	$104,200 (-) Land $38,000 Building $66,200	$431,444 (+41.77%) Land $224,070 Building $207,374
2022		$104,200 Land $38,000 Building $66,200	$304,337 Land $121,719 Building $182,618
2021	$243.00

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 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Ziply Fiber.

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