5177 Labounty Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 5177 Labounty Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,832 sqft · built 1946
Lot Size	0.436 acres (19,001 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,324 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`97082`

Property Details

APN / Parcel Number

Primary APN	`97082`
Alternative APNs	`390233 251373 0000` `99536`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,832 sqft Living Area
1st Floor Area	1,425 sqft
2nd Floor Area	407 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	19,001 sqft (0.436 acres)
Garage Type	Mixed
Garage Area	960 sqft
Carport	Carport
Carport Area	512 sqft
Parking Spaces	5 Parking Spaces
Deck Area	791 sqft
Patio Area	775 sqft
Storage Building	496 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	97082
Street Address	5177 LABOUNTY DR
City	FERNDALE
State	WA
Zip	98248-9093
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	ELY 210 FT OF SLY 100 FT OF N 1/2 NE SE NW-SUBJ TO BNDRY LI AGRMT REC AF 2050802354
Legal Range	02
Legal Township	39
Legal Section	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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5177 LABOUNTY RD, FERNDALE, WA 98248-8917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 23, 2019	Deed of Trust, Mortgage · Conventional with PMI QUALSTAR CU
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit QUALSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5177 LABOUNTY DR, FERNDALE, WA 98248
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210601426
Date	Jun 8, 2021
Instrument	2021-0601426

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Apr 1, 2041

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5177 LABOUNTY DR, FERNDALE, WA 98248
Document Number	2191203695
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5177 LABOUNTY DR FERNDALE WA 98248, FERNDALE, WA 98248

Mortgage

Document Number	2191203695
Date	Dec 30, 2019
Instrument	1203695

Lender

Name	QUALSTAR CU
Type	Credit Union
Address	BELLEVUE, WA 98009

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5177 LABOUNTY DR, FERNDALE, WA 98248
Document Number	2181102059
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5177 LABOUNTY RD FERNDALE WA 982488917, FERNDALE, WA 98248-8917

Mortgage

Document Number	2181102059
Date	Nov 21, 2018
Instrument	1102059

Lender

Name	QUALSTAR CU
Type	Credit Union
Address	BELLEVUE, WA 98009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 20, 2043

Interest

Rate Type	Adjustable Rate

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	$4,324.00 (+185.98%)	$577,259 (+43.12%) Land $264,810 Building $312,449	$577,259 (+43.12%) Land $264,810 Building $312,449
2022		$403,330 Land $193,814 Building $209,516	$403,330 Land $193,814 Building $209,516
2021	$1,512.00

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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