Whatcom County property record for 2704 Chloe Ln, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,970 sqft · built 2019 |
| Lot Size | 0.095 acres (4,160 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $439,900 (Jul 2020) |
| Tax Bill | $4,184 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 571909 |
| Primary APN | 571909 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,970 sqft Living Area |
| 1st Floor Area | 830 sqft |
| 2nd Floor Area | 1,140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 4,160 sqft (0.095 acres) |
| Garage Type | Built-in |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Account Number | 571909 |
|---|---|
| Street Address | 2704 CHLOE LN |
| City | FERNDALE |
| State | WA |
| Zip | 98248-8866 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS10.5 |
| Legal Description | THE MEADOWS PHASE II & III LOT 71 |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 24 |
| Legal Subdivision | THE MEADOWS PHASE II & III |
| Legal Phase | 2 |
| Legal Lot Number | 71 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10503 |
Source: Whatcom County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2704 CHLOE LN, FERNDALE, WA 98248-8866 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2020 · Amount on Record |
| Deed Sale | Jul 24, 2020 · Amount on Record |
| Deed Document Number | 2020-0704102 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 24, 2020 |
| Property Address | 2704 CHLOE LN, FERNDALE, WA 98248-8866 |
| Document Number | 2200704102 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 704102 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 24, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,043.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2704 CHLOE LN FERNDALE WA 982488866, FERNDALE, WA 98248-8866 |
| Document Number | 2200704103 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 704103 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2050 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Ferndale City |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,184.00 (+1.7%) | $557,276 (+1.33%) Land $144,045 Building $413,231 | $557,276 (+1.33%) Land $144,045 Building $413,231 |
| 2022 | $549,968 Land $146,550 Building $403,418 | $549,968 Land $146,550 Building $403,418 | |
| 2021 | $4,114.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Ziply Fiber.
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