Whatcom County property record for 4792 Neptune Cir, Ferndale, WA 98248
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,519 sqft · built 2017 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,000 (Sep 2020) |
| Tax Bill | $4,556 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 573081 |
| Primary APN | 573081 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,519 sqft Living Area |
| 1st Floor Area | 1,519 sqft |
| Year Built | Built 2017 |
|---|---|
| Architectural Style | Mobile Home |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Storage Building | 1,296 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 573081 |
|---|---|
| Street Address | 4792 NEPTUNE CIR |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9532 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RR3 |
| Legal Description | NEPTUNE HEIGHTS LOTS 20-21-SUBJ TO COVENANT TO BIND PROPERTIES AF 960726189 2018 MARLETTE S#HER031063ORAB 56X27 (MH TE AF 202 |
| Legal Range | 01 |
| Legal Township | 38 |
| Legal Section | 04 |
| Legal Subdivision | NEPTUNE HEIGHTS |
| Legal Lot Number | 20 21 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | LUMMI RESERVATION |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 940001 |
4792 Neptune Cir, a mobile home, is owned and occupied by an individual who bought it in September 2020.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4792 NEPTUNE CIR, FERNDALE, WA 98248-9532 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2020 · Amount on File |
| Deed Sale | Sep 3, 2020 · Amount on File |
| Prior Sale | Aug 19, 2016 · Amount on File |
| Deed Document Number | 2020-0900545 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 3, 2020 |
| Property Address | 4792 NEPTUNE CIR, FERNDALE, WA 98248-9532 |
| Document Number | 2200900545 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 900545 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,189.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4792 NEPTUNE CIR FERNDALE WA 982489532, FERNDALE, WA 98248-9532 |
| Document Number | 2200900546 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 900546 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2050 |
The 2025 property tax bill for 4792 Neptune Cir was $4,556.
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 | $4,556.00 | $556,146 Land $207,312 Building $348,834 | $556,146 Land $207,312 Building $348,834 |
| 2022 | $485,026 Land $180,800 Building $304,226 | $485,026 Land $180,800 Building $304,226 | |
| 2021 | $2,581.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4792 Neptune Cir 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 4792 Neptune Cir 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 53 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 |
4G LTE (outdoors only), no 5G reported
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