Whatcom County property record for 5010 Elder Rd, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,312 sqft · built 1994 |
| Lot Size | 1.79 acres (77,972 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $235,280 (Sep 2012) |
| Tax Bill | $4,535 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 498187 |
| Primary APN | 498187 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 77,972 sqft (1.79 acres) |
| Porch | Covered Porch |
| Porch Area | 32 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 498187 |
|---|---|
| Street Address | 5010 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 1 RANDALL SHORT PLAT AS REC BOOK 14 SHORT PLATS PG 6 |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 35 |
| Legal Subdivision | RANDALL SHORT PLAT |
| Legal Lot Number | 1 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 10503 |
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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 5010 ELDER RD, FERNDALE, WA 98248-9548 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Apr 29, 2020 | Deed of Trust, Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2012 · Amount on Record |
| Deed Sale | Sep 7, 2012 · Amount on Record |
| Prior Sale | Nov 5, 1999 |
| Deed Document Number | 2120900615 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5010 ELDER RD, FERNDALE, WA 98248-9548 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001201035 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 2023-1201035 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5010 ELDER RD, FERNDALE, WA 98248-9548 |
| Document Number | 2200501879 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5010 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548 |
| Document Number | 2200501879 |
|---|---|
| Date | May 18, 2020 |
| Instrument | 501879 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 17, 2050 |
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 | $4,535.00 (+81.84%) | $582,359 (+25.38%) Land $245,982 Building $336,377 | $582,359 (+25.38%) Land $245,982 Building $336,377 |
| 2022 | $464,493 Land $196,202 Building $268,291 | $464,493 Land $196,202 Building $268,291 | |
| 2021 | $2,494.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 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.
5G (outdoors only) and 4G LTE
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