4979 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 4979 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,384 sqft · built 2004
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Jul 2024)
Tax Bill	$6,762 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39881`

Property Details

APN / Parcel Number

Primary APN	`39881`
Alternative APNs	`390134 436099 0000` `88896`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,384 sqft Living Area
1st Floor Area	1,192 sqft
2nd Floor Area	1,192 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	324 sqft
Storage Building	864 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	39881
Street Address	4979 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	W 5 ACRES OF S 10 ACRES OF N 15 ACRES OF SE SE
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 March 16, 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
Co-owner	Co-owner on Record
Mailing Address	4979 ELDER RD, FERNDALE, WA 98248-9548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2024 · Amount on Record
Deed Sale	Jul 19, 2024 · Amount on Record
Prior Sale	Oct 13, 2004 · Amount on Record
Deed Document Number	2024-0701510
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4979 ELDER RD, FERNDALE, WA 98248-9548
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4979 ELDER RD, FERNDALE, WA 98248-9548

Mortgage

Document Number	0000300640
Date	Mar 9, 2026
Instrument	2026-0300640

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4979 ELDER RD, FERNDALE, WA 98248-9548
Document Number	2191100778
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4979 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548

Mortgage

Document Number	2191100778
Date	Nov 6, 2019
Instrument	1100778

Lender

Name	UMPQUA BK
Type	Bank
Address	VANCOUVER, WA 98660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$6,762.00 (+55.02%)	$868,242 (+25.38%) Land $333,740 Building $534,502	$868,242 (+25.38%) Land $333,740 Building $534,502
2022		$692,514 Land $266,200 Building $426,314	$692,514 Land $266,200 Building $426,314
2021	$4,362.00

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

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