2561 Lakeridge Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 2561 Lakeridge Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,277 sqft · built 1996
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,875 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390124-487326-0000`

Property Details

APN / Parcel Number

Primary APN	`390124-487326-0000`
Alternative APNs	`88175` `32496`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,277 sqft Living Area
Gross Area	4,293 sqft
1st Floor Area	1,879 sqft
Basement Area	1,864 sqft
Finished Basement	1,398 sqft
Unfinished Basement	466 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Concrete/Metal Slab
Porch Area	124 sqft
Deck Area	398 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88175
Street Address	2561 LAKERIDGE DR
City	FERNDALE
State	WA
Zip	98248-8718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	LAKERIDGE ESTATES LOT 43
Legal Range	01
Legal Township	39
Legal Section	24
Legal Subdivision	LAKERIDGE ESTATES
Legal Block	2
Legal Lot Number	43
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2020
Census Tract	10503

Owner

Source: Whatcom County records, as of July 13, 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	2561 LAKERIDGE DR, FERNDALE, WA 98248-8718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
Apr 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2561 LAKERIDGE DR, FERNDALE, WA 98248-8718
Document Number	2200202784
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2561 LAKERIDGE DR FERNDALE WA 982488718, FERNDALE, WA 98248-8718

Mortgage

Document Number	2200202784
Date	Feb 26, 2020
Instrument	202784

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2561 LAKERIDGE DR, FERNDALE, WA 98248-8718
Document Number	2170402344
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	Apr 28, 2017
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2561 LAKERIDGE DR FERNDALE WA 982488718, FERNDALE, WA 98248-8718

Mortgage

Document Number	2170402344
Date	Apr 24, 2017
Instrument	402344

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 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	$5,875.00 (+14.57%)	$784,578 (+14.46%) Land $234,740 Building $549,838	$784,578 (+14.46%) Land $234,740 Building $549,838
2022		$685,467 Land $173,684 Building $511,783	$685,467 Land $173,684 Building $511,783
2021	$5,128.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 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 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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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