Whatcom County property record for 3946 Saltspring Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,322 sqft · built 1975 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $9,196 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2018 Line of Credit |
| Flood Zone | Zone AO (high risk) |
| APN | 512754 |
| Primary APN | 512754 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,322 sqft Living Area |
| 1st Floor Area | 2,322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 1,036 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Patio Area | 1,630 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 619486 |
|---|---|
| Street Address | 3946 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 46 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 16 |
| Legal Subdivision | SANDY POINT SHORES NO 3 |
| Legal Lot Number | 46 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
3946 Saltspring Dr is held in a trust since August 2025.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · Line of Credit SAVIBANK |
| Aug 22, 2018 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 |
| Deed Sale | Aug 21, 2025 |
| Prior Sale | Jun 4, 2024 |
| Deed Document Number | 2025-0801653 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3946 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 1020 S BURLINGTON BLVD, BURLINGTON, WA 98233-3312 |
| Document Number | 0000802126 |
|---|---|
| Date | Aug 28, 2023 |
| Instrument | 2023-0802126 |
| Name | SAVIBANK |
|---|---|
| Type | Bank |
| Address | BURLINGTON, WA 98233 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3946 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Document Number | 2180901662 |
| Instrument Date | Aug 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Title Company | SOLIDIFI TITLE AND CLOSING |
| Name | Verified Name |
|---|---|
| Address | 3946 SALTSPRING DR FERNDALE WA 982489598, FERNDALE, WA 98248-9598 |
| Document Number | 2180901662 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 901662 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3946 Saltspring Dr was $9,196.
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 | $9,196.00 | $1,122,396 Land $376,180 Building $746,216 | $1,122,396 Land $376,180 Building $746,216 |
| 2022 | $944,057 Land $316,400 Building $627,657 | $944,057 Land $316,400 Building $627,657 | |
| 2021 | $7,404.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3946 Saltspring Dr in Zone AO, a high-risk 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 AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| 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 3946 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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