4933 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 4933 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Ranch
Details	3 bd · 2,082 sqft · built 1935
Lot Size	18.3 acres (797,148 sqft)
Owner	Individual Name on Record
Last Sale	$174,478 (Jul 2021)
Tax Bill	$4,683 (2025)
Deeds & Mortgages	Apr 2025 Second Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390134-460047-0000`

Property Details

APN / Parcel Number

Primary APN	`390134-460047-0000`
Alternative APNs	`582141` `88903` `45667`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	2,082 sqft Gross Area
1st Floor Area	2,082 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2002
Exterior Material	Combination
Roof Material	Metal
Lot Area	797,148 sqft (18.3 acres)
Garage Type	Carport
Garage Area	720 sqft
Carport	Carport
Carport Area	720 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	88903
Street Address	4933 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9548
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Ranch
Local Zoning Code	R5A
Legal Description	S 25 ACRES OF SE SE-EXC S 245 FT OF E 938 FT-N 117 FT OF S 362 FT OF E 320 FT OF S 25 ACRES OF SE SE-EXC RD AS WIDENED AF 801629-LESS RDS
Legal Range	01
Legal Township	39
Legal Section	34
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1041
Census Tract	10504

Owner

Source: Whatcom County records, as of April 2, 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	4933 ELDER RD, FERNDALE, WA 98248-9548
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP
Jul 7, 2021	Intrafamily Transfer, Transfer · FHA Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Jul 7, 2021
Deed Document Number	2021842
Prior Transfer Date	Jul 1, 2021
Prior Transfer Doc	0000000842
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4933 ELDER RD, FERNDALE, WA 98248-9548
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	SUMMIT TITLE AGENCY INC, SUMMIT TITLE AGENCY OF AR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000400002
Date	Apr 1, 2025
Instrument	2025-0400002

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2055

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jul 7, 2021
Property Address	4933 ELDER RD, FERNDALE, WA 98248-9548
Document Number	0000700842
Instrument Date	Jul 1, 2021
Instrument	2021-0700842
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4933 ELDER RD, FERNDALE, WA 98248-9548

Mortgage

Document Number	0000700843
Date	Jul 7, 2021
Instrument	2021-0700843

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$4,683.00 (+47.5%)	$916,288 (+101.23%) Land $404,038 Building $512,250	$916,288 (+25.38%) Land $404,038 Building $512,250
2022		$455,348 Land $46,783 Building $408,565	$730,836 Land $322,271 Building $408,565
2021	$3,175.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LUMMI TRIBAL WATER DISTRICT tribal government · serves 3,699 people · EPA ID 105300002
Water Source	Purchased surface water from CITY OF BELLINGHAM-WATER DIVISION
Last State Inspection	Mar 2026
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	26 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Astound Broadband.

Cell Coverage

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

Nearby Properties on Elder Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures