2716 Chloe Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 2716 Chloe Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,059 sqft · built 2019
Lot Size	0.109 acres (4,774 sqft)
Owner	Individual Name on Record
Last Sale	$431,700 (Mar 2020)
Tax Bill	$3,838 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`569160`

Property Details

APN / Parcel Number

Primary APN	`569160`
Alternative APNs	`390124 243402 0000` `181672`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,059 sqft Living Area
1st Floor Area	819 sqft
2nd Floor Area	1,240 sqft

Exterior

Year Built	Built 2019
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,774 sqft (0.109 acres)
Garage Type	Built-in
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Deck Area	246 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	569160
Street Address	2716 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 67
Legal Range	01
Legal Township	39
Legal Section	24
Legal Subdivision	THE MEADOWS PHASE II & III
Legal Phase	2
Legal Lot Number	67
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2002
Census Tract	10503

Owner

Source: Whatcom County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2716 CHLOE LN, FERNDALE, WA 98248-8866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 13, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Deed Document Number	2020-0301644
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2716 CHLOE LN, FERNDALE, WA 98248-8866
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000500819
Date	May 6, 2021
Instrument	2021-0500819

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Feb 1, 2051

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 13, 2020
Property Address	2716 CHLOE LN, FERNDALE, WA 98248-8866
Document Number	2200301644
Instrument Date	Mar 12, 2020
Instrument	301644
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 24, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,912.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2716 CHLOE LN FERNDALE WA 982488866, FERNDALE, WA 98248-8866

Mortgage

Document Number	2200301645
Date	Mar 13, 2020
Instrument	301645

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$3,838.00 (-5.14%)	$511,248 (-5.48%) Land $144,045 Building $367,203	$511,248 (-5.48%) Land $144,045 Building $367,203
2022		$540,884 Land $146,550 Building $394,334	$540,884 Land $146,550 Building $394,334
2021	$4,046.00

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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