Whatcom County property record for 3748 Sinclair Dr, Ferndale, WA 98248
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,344 sqft · built 1986 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual on Record |
| Last Sale | $240,000 (Jul 2017) |
| Tax Bill | $3,632 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 543799 |
| Primary APN | 543799 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 24 ft deep x 56 ft wide |
| Deck Area | 590 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 543799 |
|---|---|
| Street Address | 3748 SINCLAIR DR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9524 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RR3 |
| Legal Description | LOT B LLA TO LOTS 25-26-27 BLK 11 SANDY POINT HEIGHTS AS REC BOOK 24 SHORT PLATS PG 13-EXC ALL OIL-GAS-MIN RTS AS RES AF 9198 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 09 |
| Legal Subdivision | SANDY POINT HEIGHTS |
| Legal Block | 11 |
| Legal Lot Number | 25 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 940001 |
Source: Whatcom County assessment roll, as of May 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 3748 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LENDING GROUP INC |
| Aug 25, 2023 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Jul 31, 2017 | Warranty Deed, Transfer ENDEAVOR AMERICA LOAN SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2017 · Amount on Record |
| Deed Sale | Jul 31, 2017 · Amount on Record |
| Deed Document Number | 2017-0703758 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3748 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000405364 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021-0405364 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3748 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000801956 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 2023-0801956 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 31, 2017 |
| Property Address | 3748 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Document Number | 2170703758 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 703758 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2019 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,277.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3748 SINCLAIR DR FERNDALE WA 982489524, FERNDALE, WA 98248-9524 |
| Document Number | 2170703759 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 703759 |
| Name | ENDEAVOR AMERICA LOAN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2047 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,632.00 (+40.78%) | $443,294 (+14.66%) Land $200,834 Building $242,460 | $443,294 (+14.66%) Land $200,834 Building $242,460 |
| 2022 | $386,604 Land $175,150 Building $211,454 | $386,604 Land $175,150 Building $211,454 | |
| 2021 | $2,580.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 185 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 185 in force |
| Nearby Flood Claims | 16 (1990–2025) |
| Most Recent Claim | Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 94% of the US · lower than 96% of Washington |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SANDY POINT IMPROVEMENT CO private · serves 2,098 people · EPA ID WA5376105 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ziply Fiber Fiber | 6,000 / 6,000 |
| Xfinity Cable | 1,200 / 35 |
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