Whatcom County property record for 3942 Saltspring Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,862 sqft · built 2000 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,520 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone VE (high risk) |
| APN | 71608 |
| Primary APN | 71608 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,862 sqft Living Area |
| 1st Floor Area | 1,255 sqft |
| 2nd Floor Area | 1,607 sqft |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Built-in |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 60 sqft |
| Patio Area | 1,459 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 71608 |
|---|---|
| Street Address | 3942 SALTSPRING DR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9598 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SANDY POINT SHORES NO 3 LOT 47 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 16 |
| Legal Subdivision | SANDY POINT SHORES NO 3 |
| Legal Lot Number | 47 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
3942 Saltspring Dr is owned and occupied by two individuals.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3942 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 22, 2026 |
| Property Address | 3942 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Document Number | 0000001892 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 20261892 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 3942 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Document Number | 0000001892, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 20261892 |
| Name | BANK OF THE PACIFIC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 3942 Saltspring Dr was $8,520.
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 | $8,520.00 | $1,039,902 Land $349,310 Building $690,592 | $1,039,902 Land $349,310 Building $690,592 |
| 2022 | $874,671 Land $293,800 Building $580,871 | $874,671 Land $293,800 Building $580,871 | |
| 2021 | $6,838.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3942 Saltspring Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 18.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
The area around 3942 Saltspring Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Ziply Fiber.
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