4936 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 4936 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,388 sqft · built 2001
Lot Size	2.24 acres (97,574 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,887 (Jun 2002)
Tax Bill	$6,658 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`390135-047054-0000`

Property Details

APN / Parcel Number

Primary APN	`390135-047054-0000`
Alternative APNs	`88946` `67687`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,388 sqft Living Area
Gross Area	3,032 sqft
1st Floor Area	1,468 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	97,574 sqft (2.24 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	364 sqft
Deck Area	148 sqft
Storage Building	1,296 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88946
Street Address	4936 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 2 MOUNT VISTA ESTATES CLUSTER SHORT PLAT AS REC AF 2000200713
Legal Range	01
Legal Township	39
Legal Section	35
Legal Subdivision	MOUNT VISTA EST CLUSTER S P
Legal Block	2
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2037
Census Tract	10503

Owner

Source: Whatcom County records, as of September 28, 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	4936 ELDER RD, FERNDALE, WA 98248-9548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2002 · Amount on Record
Deed Sale	Jun 28, 2002 · Amount on Record
Deed Document Number	2002604405
Prior Transfer Date	May 18, 2001
Prior Transfer Doc	0000700796
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4936 ELDER RD, FERNDALE, WA 98248-9548
Transaction Type	Mortgage
Record Updated	Dec 5, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES REWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001101636
Date	Nov 28, 2023
Instrument	2023-1101636

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4936 ELDER RD, FERNDALE, WA 98248-9548
Transaction Type	Mortgage
Record Updated	Feb 20, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200812
Date	Feb 13, 2023
Instrument	2023-0200812

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,658.00 (+42.91%)	$819,107 (+25.38%) Land $239,443 Building $579,664	$819,107 (+25.38%) Land $239,443 Building $579,664
2022		$653,321 Land $190,986 Building $462,335	$653,321 Land $190,986 Building $462,335
2021	$4,659.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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