Whatcom County property record for 4122 Stuart Cir, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,240 sqft · built 2000 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $382,280 (Jan 2011) |
| Tax Bill | $6,191 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 485887 |
| Primary APN | 485887 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,270 sqft |
| 2nd Floor Area | 970 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Built-in |
| Garage Area | 684 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 45 sqft |
| Deck Area | 436 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 485887 |
|---|---|
| Street Address | 4122 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 39 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 08 |
| Legal Subdivision | SANDY POINT SHORES NO 1 |
| Legal Lot Number | 39 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
The current owner of 4122 Stuart Cir bought it in January 2011.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4122 STUART CIR, FERNDALE, WA 98248-9001 |
| Occupancy | Owner Occupied |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2011 · Amount on File |
| Deed Sale | Jan 10, 2011 · Amount on File |
| Prior Sale | May 29, 2001 · Amount on File |
| Deed Document Number | 2110101425 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4122 STUART CIR, FERNDALE, WA 98248-9001 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | NOT AVAILABLE, GUARADIAN NAORHWEST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000902968 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2021-0902968 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT VERNON, WA 98273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 4122 Stuart Cir was $6,191.
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 | $6,191.00 | $755,697 Land $214,960 Building $540,737 | $755,697 Land $214,960 Building $540,737 |
| 2022 | $635,624 Land $180,800 Building $454,824 | $635,624 Land $180,800 Building $454,824 | |
| 2021 | $4,606.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4122 Stuart Cir 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.
Wildfire risk around 4122 Stuart Cir is low, with less than a 0.01% annual chance of wildfire.
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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