Whatcom County property record for 3749 Sinclair Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1978 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,280 (Apr 2008) |
| Tax Bill | $3,683 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 380109-509475-0000 |
| Primary APN | 380109-509475-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 1,680 sqft |
| 1st Floor Area | 912 sqft |
| Basement Area | 240 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Wood Porch |
| Porch Area | 144 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 39278 |
|---|---|
| Street Address | 3749 SINCLAIR DR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SANDY POINT HEIGHTS LOT 14 BLK 4-EXC ALL OIL-GAS-MIN RTS AS RES AF 919820 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 09 |
| Legal Subdivision | SANDY POINT HEIGHTS |
| Legal Block | 4 |
| Legal Lot Number | 14 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
Source: Whatcom County records, as of June 17, 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 | 3749 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION |
| Nov 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU |
| May 22, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Jul 25, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2008 · Amount on Record |
| Deed Sale | Apr 28, 2008 · Amount on Record |
| Prior Sale | Jun 28, 2002 · Amount on Record |
| Deed Document Number | 2008403720 |
| Prior Transfer Date | Jan 13, 2004 |
| Prior Transfer Doc | 0000102981 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 10, 2026 |
| Property Address | 3749 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Document Number | 0000000832 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026832 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 3749 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Document Number | 0000000832, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 2026832 |
| Name | WHATCOM EDUCATIONAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3749 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001102250 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 2022-1102250 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3749 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Document Number | 2200503227 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3749 SINCLAIR DR FERNDALE WA 982489524, FERNDALE, WA 98248-9524 |
| Document Number | 2200503227 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 503227 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3749 SINCLAIR DR, FERNDALE, WA 98248-9524 |
| Document Number | 2170800062 |
| Instrument Date | Jul 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3749 SINCLAIR DR FERNDALE WA 982489524, FERNDALE, WA 98248-9524 |
| Document Number | 2170800062 |
|---|---|
| Date | Aug 1, 2017 |
| Instrument | 800062 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2047 |
Source: Whatcom County assessment roll, as of December 30, 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 | $3,683.00 (+30.88%) | $462,468 (+3.87%) Land $237,780 Building $224,688 | $462,468 (+3.87%) Land $237,780 Building $224,688 |
| 2022 | $445,220 Land $226,000 Building $219,220 | $445,220 Land $226,000 Building $219,220 | |
| 2021 | $2,814.00 |
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 100 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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