2486 Heather Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 2486 Heather Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,736 sqft · built 1977
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (May 2018)
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan May 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`390219-022409-0000`

Property Details

APN / Parcel Number

Primary APN	`390219-022409-0000`
Alternative APNs	`551397` `93688`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,736 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	1,736 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Concrete/Metal Slab
Porch Area	56 sqft
Deck Area	450 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	93688
Street Address	2486 HEATHER DR
City	FERNDALE
State	WA
Zip	98248-9277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	VALLEY VIEW HEIGHTS LOT 7
Legal Range	02
Legal Township	39
Legal Section	19
Legal Subdivision	VALLEY VIEW HEIGHTS
Legal Block	1
Legal Lot Number	7
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1007
Census Tract	10503

Owner

Source: Whatcom County records, as of August 18, 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	2486 HEATHER DR, FERNDALE, WA 98248-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Construction Mortgage INDUSTRIAL CREDIT UNION
May 5, 2022	Deed of Trust, Mortgage · Line of Credit SAVIBANK
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit SAVIBANK
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 15, 2019	Deed of Trust, Mortgage GUILD MTG
May 15, 2018	Warranty Deed, Transfer · Conventional with PMI GUILD MTG
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	2018501680
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Aug 10, 2026
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Document Number	0000000614
Instrument Date	Aug 4, 2026
Instrument	2026614
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2486 HEATHER DR, FERNDALE, WA 98248-9277

Mortgage

Document Number	0000000614,
Date	Aug 10, 2026
Instrument	2026614

Lender

Name	INDUSTRIAL CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

Rate	5.82%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000500531
Date	May 5, 2022
Instrument	2022-0500531

Lender

Name	SAVIBANK
Type	Bank
Address	96225

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402561
Date	Apr 22, 2022
Instrument	2022-0402561

Lender

Name	SAVIBANK
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000301402
Date	Mar 8, 2021
Instrument	2021-0301402

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Document Number	2191002364
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2486 HEATHER DR FERNDALE WA 982489277, FERNDALE, WA 98248-9277

Mortgage

Document Number	2191002364
Date	Oct 17, 2019
Instrument	1002364

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 15, 2018
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Document Number	2180501680
Instrument Date	May 10, 2018
Instrument	501680
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,929.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2486 HEATHER DR FERNDALE WA 982489277, FERNDALE, WA 98248-9277

Mortgage

Document Number	2180501681
Date	May 15, 2018
Instrument	501681

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2486 HEATHER DR, FERNDALE, WA 98248-9277
Document Number	2170201848
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2486 HEATHER DR FERNDALE WA 982489277, FERNDALE, WA 98248-9277

Mortgage

Document Number	2170201848
Date	Feb 21, 2017
Instrument	201848

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

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	$3,939.00 (+20.87%)	$526,680 (+20.42%) Land $224,070 Building $302,610	$526,680 (+20.42%) Land $224,070 Building $302,610
2022		$437,368 Land $168,534 Building $268,834	$437,368 Land $168,534 Building $268,834
2021	$3,259.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 427 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: Verizon, Ziply Fiber.

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