Whatcom County property record for 5146 Elder Rd, Ferndale, WA 98248 · Last verified March 2026
| Property Type | Farm - Dairy |
|---|---|
| Details | 3 bd · 1 ba · 1,506 sqft · built 1984 |
| Lot Size | 5.57 acres (243,065 sqft) |
| Owner | Individual Name on File |
| Last Sale | $603,089 (Apr 2023) |
| Tax Bill | $2,829 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 562606 |
| Primary APN | 562606 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,506 sqft Total Area |
| 1st Floor Area | 1,506 sqft |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 243,065 sqft (5.57 acres) |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 128 sqft |
| Heating System | Wood Furnace |
|---|
| Account Number | 502242 |
|---|---|
| Street Address | 5146 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9573 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Dairy |
| Legal Description | THAT PTN OF NW 1/4 DAF-N 330 FT OF S 730 FT OF W 756 FT-EXC W 30 FT FOR RD |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 35 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 10503 |
Source: Whatcom County records · APN 562606
Assessment roll updated May 31, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5146 ELDER RD, FERNDALE, WA 98248-9573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 05, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 03, 2019 | Warranty Deed, Transfer · Conventional with PMI UMPQUA BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 13, 2023 · Amount on Record |
| Deed Sale | Apr 13, 2023 · Amount on Record |
| Prior Sale | Jul 03, 2019 · Amount on Record |
| Deed Document Number | 2023-0400859 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5146 ELDER RD, FERNDALE, WA 98248-9573 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2026 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC RESIDENTIAL |
| Name | Verified Name |
|---|---|
| Address | 5146 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 0000200355 |
|---|---|
| Date | Feb 05, 2026 |
| Instrument | 2026-0200355 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 13, 2023 |
| Property Address | 5146 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 0000400859 |
| Instrument Date | Apr 06, 2023 |
| Instrument | 2023-0400859 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO OF WA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,795.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5146 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 0000400860 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 2023-0400860 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 03, 2019 |
| Property Address | 5146 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 2190700405 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 700405 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,425.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 26910 92ND AVE NW #C5 STANWOOD WA 982925437, C5, STANWOOD, WA 98292-5437 |
| Document Number | 2190700406 |
|---|---|
| Date | Jul 03, 2019 |
| Instrument | 700406 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 02, 2049 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,829.00 (+73.24%) | $363,323 (+26.02%) Land $83,590 Building $279,733 | $633,497 (+25.37%) Land $353,764 Building $279,733 |
| 2022 | $288,307 Land $65,195 Building $223,112 | $505,284 Land $282,172 Building $223,112 | |
| 2021 | $1,633.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730105032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 17 in force |
| Wildfire Risk | Low above 20% of the US · above 16% of Washington |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 28 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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