Whatcom County property record for 4975 Elder Rd, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,413 sqft · built 1925 |
| Lot Size | 4.84 acres (211,266 sqft) |
| Owner | Individual Name on File |
| Last Sale | $589,000 (Jul 2024) |
| Tax Bill | $4,360 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 540030 |
| Primary APN | 540030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,413 sqft Living Area |
| 1st Floor Area | 1,781 sqft |
| 2nd Floor Area | 854 sqft |
| Year Built | Built 1925 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 211,266 sqft (4.84 acres) |
| Porch | Porch |
| Porch Area | 117 sqft |
| Heating System | Wood Furnace |
|---|
| Account Number | 540030 |
|---|---|
| Street Address | 4975 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | S 10 ACRES OF N 15 ACRES OF SE SE- EXC W 5 ACRES THEREOF-LESS RD |
| 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 |
Source: Whatcom County records · APN 540030
Assessment roll updated May 31, 2025 · Last verified March 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4975 ELDER RD, FERNDALE, WA 98248-9548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANNER BK |
| Mar 31, 2017 | Warranty Deed, Transfer · Conventional with PMI BANNER BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2024 · Amount on Record |
| Deed Sale | Jul 19, 2024 · Amount on Record |
| Prior Sale | Mar 31, 2017 · Amount on Record |
| Deed Document Number | 2024-0701548 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 4975 ELDER RD, FERNDALE, WA 98248-9548 |
| Document Number | 2200402553 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4975 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548 |
| Document Number | 2200402553 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | 402553 |
| Name | BANNER BK |
|---|---|
| Type | Bank |
| Address | WALLA WALLA, WA 99362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 21, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 31, 2017 |
| Property Address | 4975 ELDER RD, FERNDALE, WA 98248-9548 |
| Document Number | 2170303404 |
| Instrument Date | Mar 29, 2017 |
| Instrument | 303404 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,039.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4975 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548 |
| Document Number | 2170303405 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 303405 |
| Name | BANNER BK |
|---|---|
| Type | Bank |
| Address | WALLA WALLA, WA 99362 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 30, 2047 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,360.00 (+84.82%) | $559,822 (+25.37%) Land $324,183 Building $235,639 | $559,822 (+25.37%) Land $324,183 Building $235,639 |
| 2022 | $446,520 Land $258,577 Building $187,943 | $446,520 Land $258,577 Building $187,943 | |
| 2021 | $2,359.00 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Radiate Holdings.
Based on FCC filings for 26 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LUMMI TRIBAL WATER DISTRICT tribal government · serves 3,699 people |
|---|---|
| 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 |
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures