Whatcom County property record for 4103 Stuart Cir, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,117 sqft · built 2019 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on Record |
| Last Sale | $415,833 (May 2019) |
| Tax Bill | $4,405 (2025) |
| Deeds & Mortgages | May 2019 Sale Nov 2018 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 380108-542535-0000 |
| Primary APN | 380108-542535-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,117 sqft Living Area |
| Gross Area | 3,101 sqft |
| 1st Floor Area | 568 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 984 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Wood Porch |
|---|---|
| Porch Area | 64 sqft |
| Patio Area | 99 sqft |
| Balcony Area | 99 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 39032 |
|---|---|
| Street Address | 4103 STUART CIR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SANDY POINT SHORES NO 1 LOT 51 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 08 |
| Legal Subdivision | SANDY POINT SHORES NO 1 |
| Legal Block | 1 |
| Legal Lot Number | 51 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
Source: Whatcom County records, as of April 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4045 SALTSPRING DR, FERNDALE, WA 98248-9538 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| May 2, 2019 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Nov 5, 2018 | Warranty Deed, Subdivision Related Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Aug 2, 2018 | Warranty Deed, Transfer CHICAGO TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2019 · Amount on Record |
| Deed Sale | May 2, 2019 · Amount on Record |
| Prior Sale | Nov 5, 2018 · Amount on Record |
| Deed Document Number | 2019500200 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 2, 2019 |
| Property Address | 4103 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2190500200 |
| Instrument Date | Apr 24, 2019 |
| Instrument | 500200 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,406.82 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4045 SALTSPRING DR FERNDALE WA 982489538, FERNDALE, WA 98248-9538 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Nov 5, 2018 |
| Property Address | 4103 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2181100387 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 1100387 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 14, 2018 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,586.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 546 GALLEGOS CIR ERIE CO 805162503, ERIE, CO 80516-2503 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 2, 2018 |
| Property Address | 4103 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2180800269 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 800269 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,532.24 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2010 HARKSELL RD FERNDALE WA 982489786, FERNDALE, WA 98248-9786 |
| Investor | Possibly a Property Investor |
Source: Whatcom County assessment roll, as of December 30, 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 | $4,405.00 (+16.29%) | $553,194 (+3.27%) Land $160,502 Building $392,692 | $553,194 (+3.27%) Land $160,502 Building $392,692 |
| 2022 | $535,684 Land $152,550 Building $383,134 | $535,684 Land $152,550 Building $383,134 | |
| 2021 | $3,788.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98% of Washington |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ziply Fiber Fiber | 6,000 / 6,000 |
| Xfinity Cable | 1,200 / 35 |
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