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3974 Saltspring Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 3974 Saltspring Dr, Ferndale, WA 98248

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,808 sqft · built 1988
Lot Size0.17 acres (7,405 sqft)
Owner2 Trust Names on File
Last Sale$672,000 (Sep 2018)
Tax Bill$6,767 (2025)
Deeds & MortgagesJan 2020 Transfer
Sep 2018 Sale
+ 1 more
Flood ZoneZone AE (high risk)
APN380116-074448-0000

Property Details

APN / Parcel Number

Primary APN380116-074448-0000
Alternative APNs
  • 568143
  • 39722

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,808 sqft Living Area
Gross Area2,516 sqft
1st Floor Area1,118 sqft
FlooringCarpet
Interior WallsFinished/Painted
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2008
Architectural StyleMulti-Level
Exterior MaterialCombination
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area708 sqft
Parking Spaces2 Parking Spaces
Deck Area431 sqft

Utilities, Heating & Cooling

Heating SystemHot Water

Location & Zoning

Account Number39722
Street Address3974 SALTSPRING DR
CityFERNDALE
StateWA
Zip98248-9598
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR3
Legal DescriptionSANDY POINT SHORES NO 3 LOT 39
Legal Range01
Legal Township38
Legal Section16
Legal SubdivisionSANDY POINT SHORES NO 3
Legal Block1
Legal Lot Number39
JurisdictionWHATCOM WA
Township / Civil DivisionLUMMI RESERVATION
Census Block Group1
Census Block1009
Census Tract940001

Owner

3974 Saltspring Dr is held in a trust since January 2020.

Source: Whatcom County records, as of December 30, 2025

Owner of Record2 Trust Names on File
Mailing Address3974 SALTSPRING DR, FERNDALE, WA 98248-9598
Owner TypeCompany
VestingTrust

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

DateDocument
Jan 29, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 4, 2018Warranty Deed, Transfer
WHATCOM LAND TITLE
Mar 23, 2018Deed of Trust, Mortgage · Line of Credit
SAVIBANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 4, 2018 · Amount on File
Deed SaleSep 4, 2018 · Amount on File
Prior SaleJun 30, 2005 · Amount on File
Deed Document Number2018900083
Last Transfer DateJan 22, 2020
Transfer Doc0000103390
Record UpdatedSep 20, 2026

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWHATCOM WA
Recording DateJan 29, 2020
Property Address3974 SALTSPRING DR, FERNDALE, WA 98248-9598
Document Number2200103390
Instrument DateJan 22, 2020
Instrument103390
Transaction TypeTransfer
Record UpdatedFeb 10, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address3974 SALTSPRING DR FERNDALE WA 982489598, FERNDALE, WA 98248-9598

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateSep 4, 2018
Property Address3974 SALTSPRING DR, FERNDALE, WA 98248-9598
Document Number2180900083
Instrument DateAug 28, 2018
Instrument900083
Transaction TypeTransfer
Record UpdatedOct 5, 2018
Title CompanyWHATCOM LAND TITLE

Transaction

AmountAmount on Record
Tax$11,966.60
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address16416 56TH AVE W LYNNWOOD WA 980378333, LYNNWOOD, WA 98037-8333

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address3974 SALTSPRING DR, FERNDALE, WA 98248-9598
Document Number2180602126
Instrument DateMar 23, 2018
Transaction TypeMortgage
Record UpdatedJul 20, 2018
Title CompanyWHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3974 SALTSPRING DR FERNDALE WA 982489598, FERNDALE, WA 98248-9598

Mortgage

Document Number2180602126
DateJun 20, 2018
Instrument602126
Lender
NameSAVIBANK
AddressBELLINGHAM, WA 98225
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3974 Saltspring Dr was $6,767.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictFerndale School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,767.00$850,052 Land $349,310 Building $500,742$850,052 Land $349,310 Building $500,742
2022$714,984 Land $293,800 Building $421,184$714,984 Land $293,800 Building $421,184
2021$5,565.00

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

Flood

FEMA maps place 3974 Saltspring Dr in Zone AE, 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 185 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies185 in force
Nearby Flood Claims16 (1990–2025)
Most Recent ClaimDec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding, Jan 2022 · 3 claims

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.

Wildfire

The area around 3974 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 RiskNot rated
no burnable land within ember reach

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 SystemSANDY POINT IMPROVEMENT CO
private · serves 2,098 people · EPA ID WA5376105
Water SourceGroundwater
Last State InspectionJun 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 102 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35

May also be available: Ziply Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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