Whatcom County property record for 4575 Lopez Dr, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 2013 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $434,000 (Apr 2021) |
| Tax Bill | $3,716 (2025) |
| Deeds & Mortgages | May 2021 Second Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 380104-518077-0000 |
| Primary APN | 380104-518077-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| Gross Area | 1,458 sqft |
| 1st Floor Area | 1,378 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Combination |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.17 acres) |
| Porch | Covered Concrete/Masonry Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 38203 |
|---|---|
| Street Address | 4575 LOPEZ DR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SANDY POINT HEIGHTS LOT 14 BLK 9-EXC ALL OIL-GAS-MIN RTS AS RES AF 919820 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 04 |
| Legal Subdivision | SANDY POINT HEIGHTS |
| Legal Block | 9 |
| Legal Lot Number | 14 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 940001 |
4575 Lopez Dr is owned and occupied by an individual who bought it in April 2021.
Source: Whatcom County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4575 LOPEZ DR, FERNDALE, WA 98248-9529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WASHINGTON STATE HOUSING FIN COMMISSION |
| Apr 26, 2021 | Warranty Deed, Transfer · FHA Mortgage PEOPLES BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on File |
| Deed Sale | Apr 26, 2021 · Amount on File |
| Prior Sale | Apr 26, 2021 · Amount on File |
| Deed Document Number | 20214501 |
| Prior Transfer Date | Feb 27, 2013 |
| Prior Transfer Doc | 0000300181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4575 LOPEZ DR, FERNDALE, WA 98248-9529 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|
| Document Number | 20210503396 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021-0503396 |
| Name | WASHINGTON STATE HOUSING FIN COMMISSION |
|---|---|
| Type | Government Agency |
| Address | SEATTLE, WA 98104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 26, 2021 |
| Property Address | 4575 LOPEZ DR, FERNDALE, WA 98248-9529 |
| Document Number | 0000404501 |
| Map Reference | VOL 9 PG 145-148 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 2021-0404501 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,949.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4575 LOPEZ DR, FERNDALE, WA 98248-9529 |
| Document Number | 0000404502 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021-0404502 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Number | 20210404503 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021-0404503 |
| Name | WASHINGTON STATE HOUSING FIN COMMISSION |
|---|---|
| Type | Government Agency |
| Address | SEATTLE, WA 98104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 4575 Lopez Dr was $3,716.
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 | $3,716.00 | $466,545 Land $154,557 Building $311,988 | $466,545 Land $154,557 Building $311,988 |
| 2022 | $451,294 Land $146,900 Building $304,394 | $451,294 Land $146,900 Building $304,394 | |
| 2021 | $2,207.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4575 Lopez Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1990.
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 |
|---|---|
| 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 |
|
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 4575 Lopez Dr is low, with 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 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 272 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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