Whatcom County property record for 4101 Stuart Cir, Ferndale, WA 98248 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,682 sqft · built 2020 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $34,500 (Jun 2018) |
| Tax Bill | $6,189 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2020 Construction Loan + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 380108-544530-0000 |
| Primary APN | 380108-544530-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,682 sqft Living Area |
| Gross Area | 3,600 sqft |
| 1st Floor Area | 885 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 918 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Wood Porch |
| Heating System | Heat Pump |
|---|
| Account Number | 39040 |
|---|---|
| Street Address | 4101 STUART CIR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANDY POINT SHORES NO 1 LOT 50 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 08 |
| Legal Subdivision | SANDY POINT SHORES NO 1 |
| Legal Block | 1 |
| Legal Lot Number | 50 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
Source: Whatcom County records · APN 380108-544530-0000
Assessment roll updated December 30, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 548, PRESTON, WA 98050-0548 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UMPQUA BANK |
| Feb 06, 2020 | Deed of Trust, Construction Loan · Construction Mortgage UMPQUA BK |
| Jun 18, 2018 | Warranty Deed, Transfer WHATCOM LAND TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 18, 2018 · Amount on Record |
| Deed Sale | Jun 18, 2018 · Amount on Record |
| Deed Document Number | 2018601847 |
| Last Transfer Date | Mar 18, 2021 |
| Transfer Doc | 0000306176 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 31, 2021 |
| Property Address | 4101 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 0000306176 |
| Map Reference | VOL 9 PG 98&99 |
| Instrument Date | Mar 18, 2021 |
| Instrument | 2021-0306176 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | FIRST AMERICAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 548, PRESTON, WA 98050-0548 |
| Investor | Possibly a Property Investor |
| Document Number | 0000306177 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2021-0306177 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Feb 06, 2020 |
| Property Address | 4101 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2200200565 |
| Instrument Date | Feb 03, 2020 |
| Instrument | 200565 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 24, 2020 |
| Title Company | GUARDIAN NW TITLE COMPANY, GUARDIAN NW TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4101 STUART CIR FERNDALE WA 98248, FERNDALE, WA 98248 |
| Document Number | 2200200565 |
|---|---|
| Date | Feb 06, 2020 |
| Instrument | 200565 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | TIGARD, OR 97224 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 05, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 18, 2018 |
| Property Address | 4101 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2180601847 |
| Instrument Date | Jun 13, 2018 |
| Instrument | 601847 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $619.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | PO BOX 548 PRESTON WA 980500548, PRESTON, WA 98050-0548 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,189.00 (+1,413.2%) | $777,387 (+3.04%) Land $160,502 Building $616,885 | $777,387 (+3.04%) Land $160,502 Building $616,885 |
| 2022 | $754,421 Land $152,550 Building $601,871 | $754,421 Land $152,550 Building $601,871 | |
| 2021 | $409.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530739400011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 185 individual NFIP policies nearby |
| 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, tidal / storm surge, Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 126 locations within about half a mile of this property
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