3863 Everett Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 3863 Everett Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,774 sqft · built 2000
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on Record
Last Sale	$579,000 (Dec 2018)
Tax Bill	$8,120 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557759`

Property Details

APN / Parcel Number

Primary APN	`557759`
Alternative APNs	`390104 203235 0000` `85815` `49738`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,774 sqft Living Area
1st Floor Area	1,774 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Patio Area	312 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	49738
Street Address	3863 EVERETT LN
City	FERNDALE
State	WA
Zip	98248-8209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	E 1/2 N 1/2 N 1/2 SW
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

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
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 31, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE PACIFIC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	Dec 31, 2018 · Amount on Record
Deed Document Number	2181202686
Last Transfer Date	Dec 10, 2024
Transfer Doc	0001200680
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3863 EVERETT LN, FERNDALE, WA 98248-8209
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000701671
Date	Jul 25, 2023
Instrument	2023-0701671

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3863 EVERETT LN, FERNDALE, WA 98248-8209
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000901126
Date	Sep 9, 2021
Instrument	2021-0901126

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 31, 2018
Property Address	3863 EVERETT LN, FERNDALE, WA 98248-8209
Document Number	2181202686
Instrument Date	Dec 12, 2018
Instrument	1202686
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,311.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3863 EVERETT LN FERNDALE WA 982488209, FERNDALE, WA 98248-8209

Mortgage

Document Number	2181202688
Date	Dec 31, 2018
Instrument	1202688

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	LYNDEN, WA 98264

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2181202687,
Date	Dec 31, 2018
Instrument	1202687

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2048

Tax Assessment & Valuation

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	$8,120.00 (+27.55%)	$1,042,600 (+15.92%) Land $515,844 Building $526,756	$1,042,600 (+15.92%) Land $515,844 Building $526,756
2022		$899,413 Land $445,000 Building $454,413	$899,413 Land $445,000 Building $454,413
2021	$6,366.00

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

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

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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