Whatcom County property record for 3989 Saltspring Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,098 sqft · built 1999 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $655,000 (Jan 2007) |
| Tax Bill | $8,043 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 53760 |
| Primary APN | 53760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,098 sqft Living Area |
| 1st Floor Area | 986 sqft |
| 2nd Floor Area | 1,112 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 95 sqft |
| Deck Area | 388 sqft |
| Patio Area | 468 sqft |
| Balcony | Balcony |
| Balcony Area | 80 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 53760 |
|---|---|
| Street Address | 3989 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 68 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 16 |
| Legal Subdivision | SANDY POINT SHORES NO 3 |
| Legal Lot Number | 68 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 940001 |
The current owner of 3989 Saltspring Dr acquired it in June 2008.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3989 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Occupancy | Owner Occupied |
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 | Jan 30, 2007 · Amount on File |
| Deed Sale | Jan 30, 2007 · Amount on File |
| Prior Sale | Jan 30, 2007 · Amount on File |
| Deed Document Number | 2070104187 |
| Last Transfer Date | Jun 6, 2008 |
| Transfer Doc | 2080600831 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 3989 SALTSPRING DR, FERNDALE, WA 98248-9598 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001001549 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021-1001549 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 3989 Saltspring Dr was $8,043.
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 | $8,043.00 | $981,748 Land $436,638 Building $545,110 | $981,748 Land $436,638 Building $545,110 |
| 2022 | $825,752 Land $367,250 Building $458,502 | $825,752 Land $367,250 Building $458,502 | |
| 2021 | $6,164.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3989 Saltspring Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 3989 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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