5162 Spoonbill Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 5162 Spoonbill Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,088 sqft · built 2006
Lot Size	0.282 acres (12,310 sqft)
Owner	Individual Name on Record
Last Sale	$715,000 (Jan 2026)
Tax Bill	$6,229 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43294`

Property Details

APN / Parcel Number

Primary APN	`43294`
Alternative APNs	`390233 223376 0000` `99502`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,088 sqft Living Area
1st Floor Area	1,138 sqft
2nd Floor Area	1,950 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,310 sqft (0.282 acres)
Garage Type	Built-in
Garage Area	729 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	50 sqft
Deck Area	595 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	43294
Street Address	5162 SPOONBILL LN
City	FERNDALE
State	WA
Zip	98248-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LABOUNTY ESTATES LOT 33
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Lot Number	33
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1002
Census Tract	201

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5162 SPOONBILL LN, FERNDALE, WA 98248-7802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Sep 29, 2005 · Amount on Record
Deed Document Number	2026-0102177
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 30, 2026
Property Address	5162 SPOONBILL LN, FERNDALE, WA 98248-7802
Document Number	0000102177
Map Reference	DOC 2050900662
Instrument Date	Jan 17, 2026
Instrument	2026-0102177
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO FOWA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,787.00
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	5162 SPOONBILL LN, FERNDALE, WA 98248-7802

Mortgage

Document Number	0000102178
Date	Jan 30, 2026
Instrument	2026-0102178

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5162 SPOONBILL LN, FERNDALE, WA 98248-7802
Transaction Type	Mortgage
Record Updated	May 9, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE TEXAS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402145
Date	Apr 29, 2024
Instrument	2024-0402145

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 18, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5162 SPOONBILL LN, FERNDALE, WA 98248-7802
Document Number	2200801425
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5162 SPOONBILL LN FERNDALE WA 982487802, FERNDALE, WA 98248-7802

Mortgage

Document Number	2200801425
Date	Aug 11, 2020
Instrument	801425

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2035

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,229.00 (+9.47%)	$831,502 (+8.9%) Land $224,070 Building $607,432	$831,502 (+8.9%) Land $224,070 Building $607,432
2022		$763,579 Land $148,834 Building $614,745	$763,579 Land $148,834 Building $614,745
2021	$5,690.00

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 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2021–2022)
Most Recent Claim	Dec 2022 · river or lake flooding

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 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	FERNDALE serves 19,305 people · EPA ID WA5324850
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, Verizon.

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