Whatcom County property record for 4130 Stuart Cir, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,883 sqft · built 1969 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,540 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Jun 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 86080 |
| Primary APN | 86080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,883 sqft Living Area |
| 1st Floor Area | 1,519 sqft |
| 2nd Floor Area | 364 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 49 sqft |
| Deck Area | 789 sqft |
| Patio Area | 347 sqft |
| Balcony | Balcony |
| Balcony Area | 108 sqft |
| Storage Building | 140 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 86080 |
|---|---|
| Street Address | 4130 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 ALL LOT 35-S 1/2 LOT 36 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 08 |
| Legal Subdivision | SANDY POINT SHORES NO 1 |
| Legal Lot Number | 35 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
Source: Whatcom County records, as of March 16, 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 | 4130 STUART CIR, FERNDALE, WA 98248-9001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Jun 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4130 STUART CIR, FERNDALE, WA 98248-9001 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|
| Document Number | 20210300721 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 2021-0300721 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 2, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 3, 2020 |
| Property Address | 4130 STUART CIR, FERNDALE, WA 98248-9001 |
| Document Number | 2200600473 |
| Instrument Date | May 29, 2020 |
| Instrument | 600473 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,965.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4439 SALTSPRING DR FERNDALE WA 982489020, FERNDALE, WA 98248-9020 |
| Investor | Possibly a Property Investor |
| Document Number | 2200600474 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 600474 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | BELLINGHAM, WA 98225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2050 |
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 | $4,540.00 (+35.89%) | $554,163 (+3.53%) Land $214,002 Building $340,161 | $554,163 (+3.53%) Land $214,002 Building $340,161 |
| 2022 | $535,281 Land $203,400 Building $331,881 | $535,281 Land $203,400 Building $331,881 | |
| 2021 | $3,341.00 |
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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