2635 Nubgaard Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 2635 Nubgaard Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,832 sqft · built 1972
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$533,000 (May 2021)
Tax Bill	$5,100 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390124-389247-0000`

Property Details

APN / Parcel Number

Primary APN	`390124-389247-0000`
Alternative APNs	`541249` `580093` `88090`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,832 sqft Living Area
Gross Area	3,316 sqft
1st Floor Area	1,416 sqft
Basement Area	1,416 sqft
Finished Basement	1,416 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	41,382 sqft (0.95 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	512 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	88090
Street Address	2635 NUBGAARD RD
City	FERNDALE
State	WA
Zip	98248-9226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR3
Legal Description	THAT PTN OF N 1/2 N 1/2 E 1/2 NW SE DAF-BEG AT NW COR OF SD SUBDIV-TH E ALG N LI OF SD SUBDIV 158 FT TO TPOB-TH E ALG SD N LI 126 FT-TH S AT R/A 330 FT M/L TO S LI-TH W ALG SD S LI 126 FT-TH N AT R/A 330 FT M/L TO TPOB
Legal Range	01
Legal Township	39
Legal Section	24
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2008
Census Tract	10503

Owner

Source: Whatcom County records, as of April 2, 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	2635 NUBGAARD RD, FERNDALE, WA 98248-9226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK
May 12, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage UMPQUA BK
May 12, 2017	Quit Claim Deed, Transfer WHATCOM LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	May 6, 2021 · Amount on Record
Deed Document Number	2021825
Prior Transfer Date	May 3, 2017
Prior Transfer Doc	0000501546
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 6, 2021
Property Address	2635 NUBGAARD RD, FERNDALE, WA 98248-9226
Document Number	0000500825
Instrument Date	May 3, 2021
Instrument	2021-0500825
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,592.40
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	2635 NUBGAARD RD, FERNDALE, WA 98248-9226

Mortgage

Document Number	0000500826
Date	May 6, 2021
Instrument	2021-0500826

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

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

May 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	May 12, 2017
Property Address	2635 NUBGAARD RD, FERNDALE, WA 98248-9226
Document Number	2170501545
Instrument Date	May 3, 2017
Instrument	501545
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	WHATCOM LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2635 NUBGAAD RD FERNDALE WA 98248, FERNDALE, WA 98248

Mortgage

Document Number	2170501547
Date	May 12, 2017
Instrument	501547

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	May 12, 2017
Property Address	2635 NUBGAARD RD, FERNDALE, WA 98248-9226
Document Number	2170501546
Instrument Date	May 3, 2017
Instrument	501546
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	WHATCOM LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2635 NUBGAAD RD FERNDALE WA 98248, FERNDALE, WA 98248

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,100.00 (+28.27%)	$691,479 (+34.2%) Land $267,720 Building $423,759	$691,479 (+34.2%) Land $267,720 Building $423,759
2022		$515,259 Land $173,684 Building $341,575	$515,259 Land $173,684 Building $341,575
2021	$3,976.00

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 96% of the US · lower than 97.6% 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	MOUNTAIN VIEW WATER ASSOCIATION private · serves 186 people · EPA ID WA5356900
Water Source	Purchased groundwater from FERNDALE
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

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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