Whatcom County property record for 4126 Stuart Cir, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,336 sqft · built 1991 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Jan 2021) |
| Tax Bill | $6,165 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 380108-515531-0000 |
| Primary APN | 380108-515531-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,336 sqft Living Area |
| Gross Area | 2,960 sqft |
| 1st Floor Area | 1,022 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Wood Porch |
| Porch Area | 36 sqft |
| Deck Area | 1,000 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 38946 |
|---|---|
| Street Address | 4126 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 N 1/2 LOT 36-ALL LOT 37 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 08 |
| Legal Subdivision | SANDY POINT SHORES NO 1 |
| Legal Block | 1 |
| Legal Lot Number | 36,37 |
| 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 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4126 STUART CIR, FERNDALE, WA 98248-9001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU |
| Apr 26, 2021 | Re-recorded Document · Conventional Mortgage UMPQUA BANK |
| Jan 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage UMPQUA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on Record |
| Deed Sale | Jan 15, 2021 · Amount on Record |
| Prior Sale | Jan 15, 2021 · Amount on Record |
| Deed Document Number | 20212261 |
| Prior Transfer Date | Jan 14, 2021 |
| Prior Transfer Doc | 0000404705 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4126 STUART CIR, FERNDALE, WA 98248-9001 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000601640 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 2023-0601640 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2043 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 26, 2021 |
| Property Address | 4126 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 0000404705 |
| Map Reference | VOL 9 PG 133&134 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 2021-0404705 |
| Record Updated | Feb 22, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4126 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 0000404706 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021-0404706 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jan 15, 2021 |
| Property Address | 4126 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2210102261 |
| Instrument Date | Jan 11, 2021 |
| Instrument | 102261 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2021 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,675.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4126 STUART CIR FERNDALE WA 982489001, FERNDALE, WA 98248-9001 |
| Document Number | 2210102262 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 102262 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | TIGARD, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 14, 2051 |
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 | $6,165.00 (+37.09%) | $774,422 (+3.23%) Land $214,002 Building $560,420 | $774,422 (+3.23%) Land $214,002 Building $560,420 |
| 2022 | $750,179 Land $203,400 Building $546,779 | $750,179 Land $203,400 Building $546,779 | |
| 2021 | $4,497.00 |
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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