Whatcom County property record for 5149 Elder Rd, Ferndale, WA 98248
| Property Type | General Agricultural/Rural |
|---|---|
| Details | 6 bd · 3 ba · 2,451 sqft · built 1915 |
| Lot Size | 9.69 acres (422,532 sqft) |
| Owner | Company Name on Record |
| Last Sale | $922,089 (Dec 2025) |
| Tax Bill | $4,614 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 517427 |
| Primary APN | 517427 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,451 sqft Total Area |
| 1st Floor Area | 3,561 sqft |
| 2nd Floor Area | 1,617 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 422,532 sqft (9.69 acres) |
| Garage Type | Detached |
| Garage Area | 1,008 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 70 sqft |
| Deck Area | 212 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 517427 |
|---|---|
| Street Address | 5149 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9573 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > General Agricultural/Rural |
| Local Zoning Code | R5A |
| Legal Description | S 1/2 NE SE NE-N 1/2 SE SE NE-LESS RD |
| 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 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 114 W MAGNOLIA ST STE 400, 400, BELLINGHAM, WA 98225-4380 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 23, 2025 | Warranty Deed, Transfer · Commercial Mortgage UNITED MORTGAGE LLC |
| Apr 6, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on Record |
| Deed Sale | Dec 23, 2025 · Amount on Record |
| Prior Sale | Jan 12, 2015 · Amount on Record |
| Deed Document Number | 2025-1202144 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Dec 23, 2025 |
| Property Address | 5149 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 0001202144 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 2025-1202144 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,473.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 W MAGNOLIA ST # 400-107, 400, BELLINGHAM, WA 98225-4380 |
| Document Number | 0001202145 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 2025-1202145 |
| Name | UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5149 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 2180401062 |
| Instrument Date | Apr 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5149 ELDER RD FERNDALE WA 982489573, FERNDALE, WA 98248-9573 |
| Document Number | 2180401062 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 401062 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2048 |
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 | $4,614.00 (-0.77%) | $592,460 (-0.77%) Land $75,383 Building $517,077 | $973,694 (-1.28%) Land $456,617 Building $517,077 |
| 2024 | $4,650.00 (+42.16%) | $597,076 (+27.11%) Land $73,300 Building $523,776 | $986,323 (+27%) Land $462,547 Building $523,776 |
| 2022 | $469,734 Land $57,318 Building $412,416 | $776,626 Land $364,210 Building $412,416 | |
| 2021 | $3,271.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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