4132 Matia Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 4132 Matia Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,872 sqft · built 1991
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Trust Names on File
Last Sale	$790,000 (Sep 2022)
Tax Bill	$6,661 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`566573`

Property Details

APN / Parcel Number

Primary APN	`566573`
Alternative APNs	`380117 500590 0000` `544630` `39774`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	936 sqft
2nd Floor Area	936 sqft

Exterior

Year Built	Built 1991
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Other
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Balcony	Balcony
Balcony Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	544630
Street Address	4132 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 LOT C-21
Legal Range	01
Legal Township	38
Legal Section	17
Legal Subdivision	SANDY POINT TRACTS NO 4
Legal Tract	4
Legal Lot Number	C21
Jurisdiction	WHATCOM WA
Township / Civil Division	LUMMI RESERVATION
Census Block Group	1
Census Block	1021
Census Tract	940001

Owner

4132 Matia Dr is held in a trust since April 2025.

Source: Whatcom County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	3016 CADENCIA ST, CA
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CATALYST MORTGAGE
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CATALYST MTG
Feb 22, 2019	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK
Aug 25, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage JJMD BUILDINGS LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Sep 2, 2022 · Amount on File
Deed Document Number	0000900198
Last Transfer Date	Apr 18, 2025
Transfer Doc	0000401553
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4132 MATIA DR, FERNDALE, WA 98248-9539
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300253
Date	Mar 1, 2021
Instrument	2021-0300253

Lender

Name	CATALYST MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 2, 2022
Property Address	4132 MATIA DR, FERNDALE, WA 98248-9539
Document Number	0000900198
Map Reference	VOL 9 PG 38
Instrument Date	Aug 19, 2022
Instrument	2022-0900198
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,167.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3016 CADENCIA ST, CARLSBAD, CA 92009-8307

Mortgage

Document Number	0000900199
Date	Sep 2, 2022
Instrument	2022-0900199

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4132 MATIA DR, FERNDALE, WA 98248-9539
Document Number	2200300267
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4132 MATIA DR FERNDALE WA 982489539, FERNDALE, WA 98248-9539

Mortgage

Document Number	2200300267
Date	Mar 3, 2020
Instrument	300267

Lender

Name	CATALYST MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Feb 22, 2019
Property Address	4132 MATIA DR, FERNDALE, WA 98248-9539
Document Number	2190201776
Instrument Date	Feb 20, 2019
Instrument	201776
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4132 MATIA DR FERNDALE WA 982489539, FERNDALE, WA 98248-9539

Mortgage

Document Number	2190201777
Date	Feb 22, 2019
Instrument	201777

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2049

August 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 25, 2017
Property Address	4132 MATIA DR, FERNDALE, WA 98248-9539
Document Number	2170803069
Instrument Date	Aug 25, 2017
Instrument	803069
Transaction Type	Mortgage
Record Updated	Sep 7, 2017
Title Company	WHATCOM LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1440 10TH ST BELLINGHAM WA 982257028, BELLINGHAM, WA 98225-7028

Mortgage

Document Number	2170803070
Date	Aug 25, 2017
Instrument	803070

Lender

Name	JJMD BUILDINGS LLC
Address	9394 OLD HIGHWAY 99 NORTH RD, BURLINGTON, WA 98233-6815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4132 Matia Dr was $6,661, down 1.3% from the year before.

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	$6,661.00 (-1.33%)	$813,029 (-1.34%) Land $396,333 Building $416,696	$813,029 (-1.34%) Land $396,333 Building $416,696
2024	$6,751.00	$824,040 Land $401,702 Building $422,338	$824,040 Land $401,702 Building $422,338
2022		$683,841 Land $333,350 Building $350,491	$683,841 Land $333,350 Building $350,491
2021	$4,646.00

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

Flood

FEMA maps place 4132 Matia Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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	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

Wildfire risk around 4132 Matia Dr 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 99.1% of the US · lower than 99.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 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

5G (outdoors only) and 4G LTE

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