3993 Saltspring Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 3993 Saltspring Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,466 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$1,005,000 (Aug 2024)
Tax Bill	$9,611 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`18155`

Property Details

APN / Parcel Number

Primary APN	`18155`
Alternative APNs	`380116 049459 0000` `39690`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,466 sqft Living Area
1st Floor Area	1,606 sqft
2nd Floor Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Built-in
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	18155
Street Address	3993 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 69
Legal Range	01
Legal Township	38
Legal Section	16
Legal Subdivision	SANDY POINT SHORES NO 3
Legal Lot Number	69
Jurisdiction	WHATCOM WA
Township / Civil Division	LUMMI RESERVATION
Census Block Group	1
Census Block	1022
Census Tract	940001

Owner

3993 Saltspring Dr is owned by an individual who bought it in August 2024.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13721 56TH AVE NE, WA
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage BOSS MORTGAGE LLC
May 13, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Sep 20, 2023	Deed of Trust, Mortgage RITCHIE GROUP
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2024 · Amount on File
Deed Sale	Aug 15, 2024 · Amount on File
Prior Sale	Mar 18, 2016 · Amount on File
Deed Document Number	2024-0801097
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3993 SALTSPRING DR, FERNDALE, WA 98248-9598
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	FIRST AMERICAN TITLE KING CNTY, FIRST AMERICAN TTL KING CNTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16312 80TH AVE NW, STANWOOD, WA 98292-6744

Mortgage

Document Number	0001101961
Date	Nov 24, 2025
Instrument	2025-1101961

Lender

Name	BOSS MORTGAGE LLC
Type	Mortgage Company
Address	BEND, OR 97701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3993 SALTSPRING DR, FERNDALE, WA 98248-9598
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000501429
Date	May 13, 2022
Instrument	2022-0501429

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3993 SALTSPRING DR, FERNDALE, WA 98248-9598
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3993 SALTSPRING DR, FERNDALE, WA 98248-9598

Mortgage

Document Number	0000901531
Date	Sep 20, 2023
Instrument	2023-0901531

Lender

Name	RITCHIE GROUP
Type	Non-Lending Institution
Address	SEATTLE, WA 98133

Agreement

Amount	Amount on Record

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3993 SALTSPRING DR, FERNDALE, WA 98248-9598
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000503427
Date	May 21, 2021
Instrument	2021-0503427

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3993 Saltspring Dr was $9,611.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,611.00	$1,173,027 Land $436,638 Building $736,389	$1,173,027 Land $436,638 Building $736,389
2022		$1,047,939 Land $367,250 Building $680,689	$1,047,939 Land $367,250 Building $680,689
2021	$6,420.00

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

Flood

FEMA maps place 3993 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 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	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 3993 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Nearby Properties on Saltspring Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures