2706 Chloe Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 2706 Chloe Ln, Ferndale, WA 98248

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 1,970 sqft · built 2019
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$439,900 (Jul 2020)
Tax Bill	$4,173 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390124-259401-0000`

Property Details

APN / Parcel Number

Primary APN	`390124-259401-0000`
Alternative APNs	`181675` `581658` `510661`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,970 sqft Living Area
Gross Area	2,470 sqft
1st Floor Area	830 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Duplex Single
Exterior Material	Siding Sheathing
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch

Location & Zoning

Account Number	181675
Street Address	2706 CHLOE LN
City	FERNDALE
State	WA
Zip	98248-8866
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	RS10.5
Legal Description	THE MEADOWS PHASE II & III LOT 70
Legal Range	01
Legal Township	39
Legal Section	24
Legal Subdivision	THE MEADOWS PHASE II & III
Legal Phase	2
Legal Block	2
Legal Lot Number	70
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2002
Census Tract	10503

Owner

Source: Whatcom County records, as of October 21, 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	2706 CHLOE LN, FERNDALE, WA 98248-8866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Jul 1, 2020	Warranty Deed, Subdivision Related Transfer · Conventional with PMI UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020 · Amount on Record
Deed Sale	Jul 1, 2020 · Amount on Record
Deed Document Number	2020700245
Last Transfer Date	Mar 26, 2021
Transfer Doc	0000603930
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jun 23, 2021
Property Address	2706 CHLOE LN, FERNDALE, WA 98248-8866
Document Number	0000603930
Map Reference	AF 2016-1201859
Instrument Date	Mar 26, 2021
Instrument	2021-0603930
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2706 CHLOE LN, FERNDALE, WA 98248-8866

Mortgage

Document Number	0000603931
Date	Jun 23, 2021
Instrument	2021-0603931

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 1, 2020
Property Address	2706 CHLOE LN, FERNDALE, WA 98248-8866
Document Number	2200700245
Instrument Date	Jun 22, 2020
Instrument	700245
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 16, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,043.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2706 CHLOE LN FERNDALE WA 982488866, FERNDALE, WA 98248-8866

Mortgage

Document Number	2200700246
Date	Jul 1, 2020
Instrument	700246

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

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	$4,173.00 (+1.43%)	$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.

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 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.

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 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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