5044 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5044 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,800 sqft · built 1990
Lot Size	11.5 acres (501,811 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jun 2019)
Tax Bill	$7,646 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`562218`

Property Details

APN / Parcel Number

Primary APN	`562218`
Alternative APNs	`390135 093162 0000` `88958`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft
Finished Basement	1,800 sqft

Exterior

Year Built	Built 1990
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	501,811 sqft (11.5 acres)
Patio Area	412 sqft
Balcony	Balcony
Balcony Area	840 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	562218
Street Address	5044 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 B WELCH CLUSTER SHORT PLAT AS REC AF 1991102713
Legal Range	01
Legal Township	39
Legal Section	35
Legal Subdivision	WELCH CLUSTER SHORT PLAT
Legal Lot Number	B
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2037
Census Tract	10503

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	2 Individual Names on Record
Mailing Address	5044 ELDER RD, FERNDALE, WA 98248-9548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · Line of Credit UMPQUA BK
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK
Jun 24, 2019	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Jul 23, 2014 · Amount on Record
Deed Document Number	2019-0602723
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5044 ELDER RD, FERNDALE, WA 98248-9548
Document Number	2201000866
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5044 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548

Mortgage

Document Number	2201000866
Date	Oct 6, 2020
Instrument	1000866

Lender

Name	UMPQUA BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5044 ELDER RD, FERNDALE, WA 98248-9548
Document Number	2200901051
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5044 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548

Mortgage

Document Number	2200901051
Date	Sep 8, 2020
Instrument	901051

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 24, 2019
Property Address	5044 ELDER RD, FERNDALE, WA 98248-9548
Document Number	2190602723
Instrument Date	Jun 13, 2019
Instrument	602723
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,727.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5044 ELDER RD FERNDALE WA 982489548, FERNDALE, WA 98248-9548

Mortgage

Document Number	2190602724
Date	Jun 24, 2019
Instrument	602724

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 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	$7,646.00 (+80.25%)	$981,825 (+25.38%) Land $415,439 Building $566,386	$981,825 (+25.38%) Land $415,439 Building $566,386
2022		$783,109 Land $331,365 Building $451,744	$783,109 Land $331,365 Building $451,744
2021	$4,242.00

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

Nearby Properties on Elder Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures