2441 Hilltop Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 2441 Hilltop Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,086 sqft · built 2006
Lot Size	0.37 acres (16,117 sqft)
Owner	Company Name on File
Last Sale	$862,472 (Apr 2023)
Tax Bill	$6,040 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390219-071218-0000`

Property Details

APN / Parcel Number

Primary APN	`390219-071218-0000`
Alternative APNs	`512768` `579096` `93817`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,086 sqft Living Area
Gross Area	4,257 sqft
1st Floor Area	2,036 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	1,123 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	51 sqft
Deck Area	730 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	93817
Street Address	2441 HILLTOP RD
City	FERNDALE
State	WA
Zip	98248-9221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	TR IN SW 1/4 DAF-BOUNDED ON N BY PROJ ELY OF S LI OF HILLTOP RD AS SHOWN ON ALLVIEW HEIGHTS-ON S BY PROJ ELY OF E-W C/L OF BLK 2 ALLVIEW HEIGHTS-ON W BY E LI OF SD BLK 2-ON E BY A LI PAR TO SD E BNDRY OF ALLVIEW HEIGHTS-125 FT E THEREOF-SD E-W BNDRIE
Legal Range	02
Legal Township	39
Legal Section	19
Legal Subdivision	ALLVIEW HEIGHTS
Legal Block	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1018
Census Tract	10503

Owner

2441 Hilltop Rd is owned by a company that bought it in April 2023.

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

Owner of Record	Company Name on File
Mailing Address	2441 HILLTOP RD, FERNDALE, WA 98248-9221
Owner Type	Company
Vesting	Life Tenant

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
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 13, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
Apr 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2023 · Amount on File
Deed Sale	Apr 13, 2023 · Amount on File
Prior Sale	Apr 2, 2021 · Amount on File
Deed Document Number	2023852
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2441 HILLTOP RD, FERNDALE, WA 98248-9221
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405069
Date	Apr 28, 2021
Instrument	2021-0405069

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	281 Months
Due	Sep 1, 2044

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 13, 2023
Property Address	2441 HILLTOP RD, FERNDALE, WA 98248-9221
Document Number	0000400852
Instrument Date	Apr 7, 2023
Instrument	2023-0400852
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM, CHICGAO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,457.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2441 HILLTOP RD, FERNDALE, WA 98248-9221

Mortgage

Document Number	0000400853
Date	Apr 13, 2023
Instrument	2023-0400853

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 2, 2021
Property Address	2441 HILLTOP RD, FERNDALE, WA 98248-9221
Document Number	0000400276
Instrument Date	Mar 24, 2021
Instrument	2021-0400276
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,099.00
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	2441 HILLTOP RD, FERNDALE, WA 98248-9221

Mortgage

Document Number	0000400277
Date	Apr 2, 2021
Instrument	2021-0400277

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2441 Hilltop Rd was $6,040.

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	$6,040.00	$808,436 Land $244,440 Building $563,996	$808,436 Land $244,440 Building $563,996
2022		$777,097 Land $224,712 Building $552,385	$777,097 Land $224,712 Building $552,385
2021	$5,791.00

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

Flood

FEMA maps place 2441 Hilltop Rd 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	2 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 2441 Hilltop Rd is low, with less than 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 95% of the US · lower than 97.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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