5185 Spoonbill Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 5185 Spoonbill Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,026 sqft · built 2007
Lot Size	0.149 acres (6,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Oct 2018)
Tax Bill	$5,469 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`555708`

Property Details

APN / Parcel Number

Primary APN	`555708`
Alternative APNs	`390233 202413 0000` `99472`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,026 sqft Living Area
1st Floor Area	2,026 sqft
Basement Area	1,226 sqft
Finished Basement	1,226 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,499 sqft (0.149 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	80 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	555708
Street Address	5185 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 41
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Lot Number	40
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	2 Individual Names on Record
Mailing Address	5185 SPOONBILL LN, FERNDALE, WA 98248-7802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Nov 22, 2019	Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK
Oct 5, 2018	Warranty Deed, Transfer UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	2018-1000671
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5185 SPOONBILL LN, FERNDALE, WA 98248-7802
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202717
Date	Feb 16, 2021
Instrument	2021-0202717

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5185 SPOONBILL LN, FERNDALE, WA 98248-7802
Document Number	2191103822
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5185 SPOONBILL LN FERNDALE WA 982487802, FERNDALE, WA 98248-7802

Mortgage

Document Number	2191103822
Date	Nov 27, 2019
Instrument	1103822

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 5, 2018
Property Address	5185 SPOONBILL LN, FERNDALE, WA 98248-7802
Document Number	2181000671
Instrument Date	Sep 26, 2018
Instrument	1000671
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,816.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5185 SPOONBILL LN FERNDALE WA 982487802, FERNDALE, WA 98248-7802

Mortgage

Document Number	2181000672
Date	Oct 5, 2018
Instrument	1000672

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.62%

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	$5,469.00 (+3.44%)	$730,054 (+2.89%) Land $203,700 Building $526,354	$730,054 (+2.89%) Land $203,700 Building $526,354
2022		$709,560 Land $148,834 Building $560,726	$709,560 Land $148,834 Building $560,726
2021	$5,287.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Nearby Properties on Spoonbill Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures