5031 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5031 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,585 sqft · built 1995
Lot Size	11 acres (483,080 sqft)
Owner	Individual Name on File
Last Sale	$1,250,562 (Apr 2021)
Tax Bill	$7,732 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390134-448170-0000`

Property Details

APN / Parcel Number

Primary APN	`390134-448170-0000`
Alternative APNs	`178510` `579095`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,585 sqft Living Area
Gross Area	3,185 sqft
1st Floor Area	1,493 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2006
Exterior Material	Metal
Roof Material	Metal
Lot Area	483,080 sqft (11 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	178510
Street Address	5031 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9548
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R5A
Legal Description	THAT PTN NE SE DAF-COM AT SE COR-TH N 00 DEG 22 19 E ALG E LI OF SEC 1591.82 FT TO TPOB-TH N 85 DEG 37 33 W 886.05 FT-TH S 313.60 FT TO EXISTING FENCE LI-TH N 88 DEG 35 30 W ALG SD FENCE LI 376.04 FT-TH S 52 DEG 06 30 W CONT ALG SD FENCE 9.50 FT TO S
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

5031 Elder Rd, a rural home, is owned and occupied by an individual who bought it in April 2021.

Source: Whatcom County records, as of April 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5031 ELDER RD, FERNDALE, WA 98248-9548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Apr 16, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE BELLINGHAM
Aug 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on File
Deed Sale	Apr 1, 2021 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	2021271
Prior Transfer Date	Mar 31, 2021
Prior Transfer Doc	0000003082
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 1, 2021
Property Address	5031 ELDER RD, FERNDALE, WA 98248-9548
Document Number	0000400271
Instrument Date	Mar 31, 2021
Instrument	2021-0400271
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,365.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5031 ELDER RD, FERNDALE, WA 98248-9548

Mortgage

Document Number	0000400272
Date	Apr 1, 2021
Instrument	2021-0400272

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Apr 1, 2050

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Apr 16, 2021
Property Address	5031 ELDER RD, FERNDALE, WA 98248-9548
Document Number	0000403082
Instrument Date	Mar 31, 2021
Instrument	2021-0403082
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5031 ELDER RD, FERNDALE, WA 98248-9548

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 13, 2020
Property Address	5031 ELDER RD, FERNDALE, WA 98248-9548
Document Number	2200802057
Instrument Date	Jul 30, 2020
Instrument	802057
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5031 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548

Tax Assessment & Valuation

The 2025 property tax bill for 5031 Elder Rd was $7,732.

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	$7,732.00	$1,307,520 Land $418,935 Building $888,585	$1,307,520 Land $418,935 Building $888,585
2022		$760,209 Land $51,482 Building $708,727	$1,042,881 Land $334,154 Building $708,727
2021	$4,075.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5031 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

Wildfire risk around 5031 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.

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.

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