4131 Matia Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 4131 Matia Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1991
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$678,000 (May 2019)
Tax Bill	$7,990 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3801175075750000`

Property Details

APN / Parcel Number

Primary APN	`3801175075750000`
Alternative APNs	`380117 511575 0000` `561035` `39780`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	636 sqft
2nd Floor Area	1,224 sqft

Exterior

Year Built	Built 1991
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Built-in
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Deck Area	582 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	561035
Old Parcel Number	3801175075750000
Street Address	4131 MATIA DR
City	FERNDALE
State	WA
Zip	98248-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR3
Legal Description	SANDY POINT TRACTS NO 4 LOTS C-23+C-24
Legal Range	01
Legal Township	38
Legal Section	17
Legal Subdivision	SANDY POINT TRACTS NO 4
Legal Tract	4
Legal Lot Number	C23 C
Jurisdiction	WHATCOM WA
Township / Civil Division	LUMMI RESERVATION
Census Block Group	1
Census Block	1021
Census Tract	940001

Owner

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	2 Individual Names on Record
Mailing Address	4131 MATIA DR, FERNDALE, WA 98248-9539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
May 16, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Prior Sale	Jun 29, 2001 · Amount on Record
Deed Document Number	2019-0501822
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4131 MATIA DR, FERNDALE, WA 98248-9539
Document Number	2201105173
Instrument Date	Nov 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4131 MATIA DR FERNDALE WA 982489539, FERNDALE, WA 98248-9539

Mortgage

Document Number	2201105173
Date	Nov 30, 2020
Instrument	1105173

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 16, 2019
Property Address	4131 MATIA DR, FERNDALE, WA 98248-9539
Document Number	2190501822
Instrument Date	May 13, 2019
Instrument	501822
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,073.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4131 MATIA DR FERNDALE WA 982489539, FERNDALE, WA 98248-9539

Mortgage

Document Number	2190501823
Date	May 16, 2019
Instrument	501823

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,990.00 (+36.93%)	$975,176 (+18.89%) Land $470,225 Building $504,951	$975,176 (+18.89%) Land $470,225 Building $504,951
2022		$820,224 Land $395,500 Building $424,724	$820,224 Land $395,500 Building $424,724
2021	$5,835.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Severe Winter Storms, Snowstorms, Straight-line Winds, Flooding, Jan 2022 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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