5026 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5026 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,120 sqft · built 1915
Lot Size	4.51 acres (196,456 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Mar 2017)
Tax Bill	$6,417 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390135-027165-0000`

Property Details

APN / Parcel Number

Primary APN	`390135-027165-0000`
Alternative APNs	`539875` `88936`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,120 sqft Living Area
1st Floor Area	1,594 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2005
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	196,456 sqft (4.51 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	96 sqft
Deck Area	359 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88936
Street Address	5026 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 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 Block	2
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2062
Census Tract	10503

Owner

Source: Whatcom County records, as of May 4, 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	5026 ELDER RD, FERNDALE, WA 98248-9548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 24, 2017	Warranty Deed, Transfer · Conventional with PMI PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	2017302610
Prior Transfer Date	Aug 8, 2012
Prior Transfer Doc	0000902502
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Apr 27, 2026
Property Address	5026 ELDER RD, FERNDALE, WA 98248-9548
Document Number	0000002113
Instrument Date	Apr 22, 2026
Instrument	20262113
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5026 ELDER RD, FERNDALE, WA 98248-9548

Mortgage

Document Number	0000002113,
Date	Apr 27, 2026
Instrument	20262113

Lender

Name	WHATCOM EDUCATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5026 ELDER RD, FERNDALE, WA 98248-9548
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000400813
Date	Apr 6, 2021
Instrument	2021-0400813

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 24, 2017
Property Address	5026 ELDER RD, FERNDALE, WA 98248-9548
Document Number	2170302610
Instrument Date	Mar 1, 2017
Instrument	302610
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,947.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5026 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548

Mortgage

Document Number	2170302611
Date	Mar 24, 2017
Instrument	302611

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

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	$6,417.00 (+115.84%)	$792,180 (+25.38%) Land $316,203 Building $475,977	$792,180 (+25.38%) Land $316,203 Building $475,977
2022		$631,846 Land $252,212 Building $379,634	$631,846 Land $252,212 Building $379,634
2021	$2,973.00

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 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

5G (outdoors only) and 4G LTE

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