3813 Windmill Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 3813 Windmill Ln, Ferndale, WA 98248

Property Summary

Property Type	Land for Livestock, Animals
Details	4 bd · 3 ba · 2,764 sqft · built 1998
Lot Size	10 acres (435,600 sqft)
Owner	2 Owner Names on File
Last Sale	$485,280 (Aug 2013)
Tax Bill	$6,103 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`505789`

Property Details

APN / Parcel Number

Primary APN	`505789`
Alternative APNs	`390104 371169 0000` `85856`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,764 sqft Total Area
1st Floor Area	2,068 sqft
2nd Floor Area	696 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	1,057 sqft
Patio Area	728 sqft
Storage Building	130 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	505789
Street Address	3813 WINDMILL LN
City	FERNDALE
State	WA
Zip	98248-8766
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Land for Livestock, Animals
Local Zoning Code	R5A
Legal Description	SE NW SE
Legal Range	01
Legal Township	39
Legal Section	04
Jurisdiction	WHATCOM WA
Township / Civil Division	BLAINE
Census Block Group	1
Census Block	1029
Census Tract	10407

Owner

The current owner of 3813 Windmill Ln bought it in August 2013.

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

Owner of Record	2 Owner Names on File
Mailing Address	3813 WINDMILL LN, FERNDALE, WA 98248-8766
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Dec 20, 2019	Deed of Trust, Mortgage BANK OF THE PACIFIC
Nov 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2013 · Amount on File
Deed Sale	Aug 22, 2013 · Amount on File
Deed Document Number	2130802597
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3813 WINDMILL LN, FERNDALE, WA 98248-8766
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3813 WINDMILL LN, FERNDALE, WA 98248-8766

Mortgage

Document Number	0001102392
Date	Nov 16, 2021
Instrument	2021-1102392

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3813 WINDMILL LN, FERNDALE, WA 98248-8766
Document Number	2210102154
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3813 WINDMILL LN FERNDALE WA 982488766, FERNDALE, WA 98248-8766

Mortgage

Document Number	2210102154
Date	Jan 15, 2021
Instrument	102154

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3813 WINDMILL LN, FERNDALE, WA 98248-8766
Document Number	2191203323
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3813 WINDMILL LN FERNDALE WA 982488766, FERNDALE, WA 98248-8766

Mortgage

Document Number	2191203323
Date	Dec 26, 2019
Instrument	1203323

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3813 WINDMILL LN, FERNDALE, WA 98248-8766
Document Number	2181101272
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3813 WINDMILL LN FERNDALE WA 982488766, FERNDALE, WA 98248-8766

Mortgage

Document Number	2181101272
Date	Nov 14, 2018
Instrument	1101272

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3813 Windmill Ln was $6,103.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,103.00	$783,713 Land $73,170 Building $710,543	$1,185,815 Land $475,272 Building $710,543
2022		$644,377 Land $59,225 Building $585,152	$995,152 Land $410,000 Building $585,152
2021	$5,356.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3813 Windmill Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3813 Windmill Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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	PLEASANT VALLEY WATER SYSTEM private · serves 73 people · EPA ID WA5367900
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jul 2017
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Pogozone powered by Neubeam Fixed Wireless · Fiber in parts of the area	75 / 20
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile, Verizon.

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