4060 Saltspring Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 4060 Saltspring Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,930 sqft · built 1968
Lot Size	0.175 acres (7,636 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Apr 2024)
Tax Bill	$6,589 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`564053`

Property Details

APN / Parcel Number

Primary APN	`564053`
Alternative APNs	`380116 069554 0000` `39714` `52506`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,930 sqft Living Area
1st Floor Area	1,344 sqft
2nd Floor Area	586 sqft
Upper Floors Area	120 sqft
Attic Area	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,636 sqft (0.175 acres)
Lot Width	60 ft Width
Garage Type	Mixed
Garage Area	747 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Deck Area	91 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	52506
Street Address	4060 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 15
Legal Range	01
Legal Township	38
Legal Section	16
Legal Subdivision	SANDY POINT SHORES NO 3
Legal Lot Number	15
Jurisdiction	WHATCOM WA
Township / Civil Division	LUMMI RESERVATION
Census Block Group	1
Census Block	1009
Census Tract	940001

Owner

4060 Saltspring Dr is owned by two individuals who bought it in April 2024.

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	1504 DEBRELON LN, 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
Apr 24, 2024	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 15, 2020	Deed of Trust, Mortgage · Line of Credit COASTAL CMNTY BK
Aug 23, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO/WA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 24, 2024 · Amount on File
Deed Sale	Apr 24, 2024 · Amount on File
Prior Sale	Aug 23, 2019 · Amount on File
Deed Document Number	2024-0401756
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 24, 2024
Property Address	4060 SALTSPRING DR, FERNDALE, WA 98248-9538
Document Number	0000401756
Map Reference	VOL 9 PG 120&121
Instrument Date	Apr 18, 2024
Instrument	2024-0401756
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,148.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 DEBRELON LN, MUKILTEO, WA 98275-1726

Mortgage

Document Number	0000401757
Date	Apr 24, 2024
Instrument	2024-0401757

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4060 SALTSPRING DR, FERNDALE, WA 98248-9538
Document Number	2200502307
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4060 SALTSPRING DR FERNDALE WA 982489538, FERNDALE, WA 98248-9538

Mortgage

Document Number	2200502307
Date	May 20, 2020
Instrument	502307

Lender

Name	COASTAL CMNTY BK
Type	Bank
Address	EVERETT, WA 98203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 23, 2019
Property Address	4060 SALTSPRING DR, FERNDALE, WA 98248-9538
Document Number	2190803034
Instrument Date	Aug 22, 2019
Instrument	803034
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO/WA

Transaction

Amount	Amount on Record
Tax	$8,549.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4060 SALTSPRING DR FERNDALE WA 982489538, FERNDALE, WA 98248-9538

Tax Assessment & Valuation

The 2025 property tax bill for 4060 Saltspring Dr was $6,589.

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	$6,589.00	$804,191 Land $366,776 Building $437,415	$804,191 Land $366,776 Building $437,415
2022		$676,408 Land $308,490 Building $367,918	$676,408 Land $308,490 Building $367,918
2021	$4,722.00

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

Flood

FEMA maps place 4060 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	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 4060 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.

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