Whatcom County property record for 5021 Elder Rd, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,907 sqft · built 2015 |
| Lot Size | 5.76 acres (250,906 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,680 (2025) |
| Deeds & Mortgages | Mar 2015 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 518399 |
| Primary APN | 518399 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,907 sqft Living Area |
| 1st Floor Area | 1,907 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 250,906 sqft (5.76 acres) |
| Garage Type | Attached |
| Garage Area | 924 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Patio Area | 372 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 518399 |
|---|---|
| Street Address | 5021 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | THAT PTN NE SE DAF-COM AT TH SE SEC COR-TH N 00 DEG 22' 19\ E ALG E LI OF SD SEC 1591.82 FT TO TPOB-TH N 85 DEG 37' 33\ W 886 |
| 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 |
5021 Elder Rd is owned by two individuals who acquired it in February 2015.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2314 J ST, BELLINGHAM, WA 98225-3333 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2015 |
| Deed Sale | Feb 27, 2015 |
| Deed Document Number | 2150202847 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5021 ELDER RD, FERNDALE, WA 98248-9548 |
| Document Number | 2200303256 |
| Instrument Date | Mar 17, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5021 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548 |
| Document Number | 2200303256 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 303256 |
| Name | NORTH COAST CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5021 Elder Rd was $6,680.
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 | $6,680.00 | $857,783 Land $364,687 Building $493,096 | $857,783 Land $364,687 Building $493,096 |
| 2022 | $684,173 Land $290,884 Building $393,289 | $684,173 Land $290,884 Building $393,289 | |
| 2021 | $3,600.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5021 Elder Rd in Zone X, an area of minimal flood risk.
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 risk around 5021 Elder Rd is low, with a 0.01% annual chance of 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.
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 |
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.
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.
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