Whatcom County property record for 3950 Saltspring Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 3,311 sqft · built 1990 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $500,280 (Nov 2012) |
| Tax Bill | $8,480 (2025) |
| Flood Zone | Zone AO (high risk) |
| APN | 501249 |
| Primary APN | 501249 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,311 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| 2nd Floor Area | 1,865 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Built-in |
| Garage Area | 370 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 649 sqft |
|---|---|
| Patio Area | 775 sqft |
| Balcony | Balcony |
| Balcony Area | 126 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 501249 |
|---|---|
| Street Address | 3950 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 45 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 16 |
| Legal Subdivision | SANDY POINT SHORES NO 3 |
| Legal Lot Number | 45 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
The current owner of 3950 Saltspring Dr bought it in November 2012.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 5023 NE 197TH ST, WA |
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 |
|---|---|
| Last Sale | Nov 16, 2012 · Amount on File |
| Deed Sale | Nov 16, 2012 · Amount on File |
| Deed Document Number | 2121102166 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3950 Saltspring Dr was $8,480.
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 | $8,480.00 | $1,034,994 Land $349,310 Building $685,684 | $1,034,994 Land $349,310 Building $685,684 |
| 2022 | $870,542 Land $293,800 Building $576,742 | $870,542 Land $293,800 Building $576,742 | |
| 2021 | $6,369.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3950 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 3950 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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