Whatcom County property record for 4026 Saltspring Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,105 sqft · built 2000 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $939,000 (Sep 2022) |
| Tax Bill | $8,452 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 594650 |
| Primary APN | 594650 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,105 sqft Living Area |
| 1st Floor Area | 1,361 sqft |
| 2nd Floor Area | 1,744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Built-in |
| Garage Area | 556 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 755 sqft |
| Balcony | Balcony |
| Balcony Area | 80 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 36793 |
|---|---|
| Street Address | 4026 SALTSPRING DR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SANDY POINT SHORES NO 3 LOT 26 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 16 |
| Legal Subdivision | SANDY POINT SHORES NO 3 |
| Legal Lot Number | 26 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
4026 Saltspring Dr is owned by two individuals who bought it in September 2022.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 5448 21ST AVE SW, 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.
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2022 · Amount on File |
| Deed Sale | Sep 6, 2022 · Amount on File |
| Prior Sale | Nov 18, 1999 |
| Deed Document Number | 2022-0900312 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 6, 2022 |
| Property Address | 4026 SALTSPRING DR, FERNDALE, WA 98248-9538 |
| Document Number | 0000900312 |
| Map Reference | VOL 9 PG 120-121 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 2022-0900312 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2022 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,819.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5448 21ST AVE SW, SEATTLE, WA 98106-1413 |
| Document Number | 0000900313 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 2022-0900313 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 4026 Saltspring Dr was $8,452.
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 | $8,452.00 | $1,031,660 Land $376,180 Building $655,480 | $1,031,660 Land $376,180 Building $655,480 |
| 2022 | $867,737 Land $316,400 Building $551,337 | $867,737 Land $316,400 Building $551,337 | |
| 2021 | $6,195.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4026 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 |
|
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 4026 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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