Whatcom County property record for 5150 Elder Rd, Ferndale, WA 98248
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,707 sqft |
| Lot Size | 5.5 acres (239,580 sqft) |
| Owner | Individual Name on File |
| Last Sale | $854,000 (Sep 2026) |
| Tax Bill | $3,918 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage May 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390135-043351-0000 |
| Primary APN | 390135-043351-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,707 sqft Living Area |
| Gross Area | 1,957 sqft |
| 1st Floor Area | 1,371 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Effective Year Built | Effective 2011 |
|---|---|
| Architectural Style | Multi-Level |
| Exterior Material | Metal |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 239,580 sqft (5.5 acres) |
| Porch | Slab |
| Porch Area | 334 sqft |
| Storage Building | 480 sqft |
| Heating System | Wood Furnace |
|---|---|
| Heating Fuel | Wood |
| Account Number | 88945 |
|---|---|
| Street Address | 5150 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R5A |
| Legal Description | N 330 FT OF S 1060 FT OF W 756 FT OF NW 1/4-LESS 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 |
5150 Elder Rd, a rural home, is owned and occupied by an individual who bought it in September 2026.
Source: Whatcom County records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5150 ELDER RD, FERNDALE, WA 98248-9573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 7, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU |
| Jul 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Oct 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2026 · Amount on File |
| Deed Sale | Sep 4, 2026 · Amount on File |
| Prior Sale | Jun 16, 2014 · Amount on File |
| Deed Document Number | 2026479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 4, 2026 |
| Property Address | 5150 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 0000000479 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 2026479 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,535,826.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5150 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 0000000480, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 202609480 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5150 ELDER RD, FERNDALE, WA 98248-9573 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000500445 |
|---|---|
| Date | May 7, 2024 |
| Instrument | 2024-0500445 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5150 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 2200701133 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 5150 ELDER RD FERNDALE WA 982489573, FERNDALE, WA 98248-9573 |
| Document Number | 2200701133 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 701133 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 7, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5150 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 2181002195 |
| Instrument Date | Oct 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 5150 ELDER RD FERNDALE WA 982489573, FERNDALE, WA 98248-9573 |
| Document Number | 2181002195 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 1002195 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 21, 2038 |
The 2026 property tax bill for 5150 Elder Rd was $3,918, up 5.7% from the year before.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,918.00 (+5.72%) | ||
| 2025 | $3,706.00 | $722,695 Land $348,910 Building $373,785 | $722,695 Land $348,910 Building $373,785 |
| 2022 | $363,240 Land $65,113 Building $298,127 | $576,427 Land $278,300 Building $298,127 | |
| 2021 | $2,302.00 |
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.
FEMA maps place 5150 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 |
| Flood Insurance Cost | Premium on File 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 risk around 5150 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.
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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