2712 Chloe Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 2712 Chloe Ln, Ferndale, WA 98248

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 2,033 sqft · built 2018
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Trust Names on Record
Last Sale	$424,900 (Jan 2018)
Tax Bill	$4,234 (2025)
Deeds & Mortgages	Sep 2021 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390124-248402-0000`

Property Details

APN / Parcel Number

Primary APN	`390124-248402-0000`
Alternative APNs	`181673` `584790` `548688`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,033 sqft Living Area
Gross Area	2,493 sqft
1st Floor Area	805 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Duplex Single
Exterior Material	Combination
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
Deck Area	291 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	181673
Street Address	2712 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 68
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	68
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2002
Census Tract	10503

Owner

Source: Whatcom County records, as of April 2, 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	2 Trust Names on Record
Mailing Address	5454 W 110TH ST, LEAWOOD, KS 66211-1204
Owner Type	Individual
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Intrafamily Transfer, Transfer
Oct 10, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Jan 26, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2018 · Amount on Record
Deed Sale	Jan 26, 2018 · Amount on Record
Deed Document Number	2018102994
Last Transfer Date	Sep 21, 2021
Transfer Doc	0000903163
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Sep 21, 2021
Property Address	2712 CHLOE LN, FERNDALE, WA 98248-8866
Document Number	0000903163
Map Reference	AF 2016-1201859
Instrument Date	Sep 21, 2021
Instrument	2021-0903163
Transaction Type	Transfer
Record Updated	Jun 30, 2023

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	Family Revocable Trust
Address	5454 W 110TH ST, LEAWOOD, KS 66211-1204
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2712 CHLOE LN, FERNDALE, WA 98248-8866
Document Number	2201004221
Instrument Date	Oct 10, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2712 CHLOE LN FERNDALE WA 982488866, FERNDALE, WA 98248-8866

Mortgage

Document Number	2201004221
Date	Oct 23, 2020
Instrument	1004221

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2050

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 26, 2018
Property Address	2712 CHLOE LN, FERNDALE, WA 98248-8866
Document Number	2180102994
Instrument Date	Jan 22, 2018
Instrument	102994
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,568.22
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2712 CHLOE LN FERNDALE WA 982488866, FERNDALE, WA 98248-8866

Mortgage

Document Number	2180102995
Date	Jan 26, 2018
Instrument	102995

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2048

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	$4,234.00 (-9.36%)	$565,447 (-9.45%) Land $144,045 Building $421,402	$565,447 (-9.45%) Land $144,045 Building $421,402
2022		$624,471 Land $146,550 Building $477,921	$624,471 Land $146,550 Building $477,921
2021	$4,671.00

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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