5186 Sparrow Ct, Ferndale, WA 98248 Property Records

Whatcom County property record for 5186 Sparrow Ct, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,802 sqft · built 2006
Lot Size	0.17 acres (7,423 sqft)
Owner	Individual Name on Record
Last Sale	$344,800 (Jul 2015)
Tax Bill	$5,069 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`522177`

Property Details

APN / Parcel Number

Primary APN	`522177`
Alternative APNs	`390233 237406 0000` `99520`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,802 sqft Living Area
1st Floor Area	1,836 sqft
2nd Floor Area	966 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,423 sqft (0.17 acres)
Garage Type	Built-in
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	36 sqft
Deck Area	192 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	522177
Street Address	5186 SPARROW CT
City	FERNDALE
State	WA
Zip	98248-7800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LABOUNTY ESTATES LOT 26
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Lot Number	26
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
Mailing Address	5186 SPARROW CT, FERNDALE, WA 98248-7800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Oct 23, 2020	Quit Claim Deed, Transfer PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2015 · Amount on Record
Deed Sale	Jul 10, 2015 · Amount on Record
Prior Sale	Jul 10, 2015 · Amount on Record
Deed Document Number	2150701086
Last Transfer Date	Oct 23, 2020
Transfer Doc	0001004273
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5186 SPARROW CT, FERNDALE, WA 98248-7800
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001200353
Date	Dec 6, 2022
Instrument	2022-1200353

Lender

Name	PEOPLES BANK
Type	Bank
Address	FERNDALE, WA 98248

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5186 SPARROW CT, FERNDALE, WA 98248-7800
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100906
Date	Jan 10, 2022
Instrument	2022-0100906

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 23, 2020
Property Address	5186 SPARROW CT, FERNDALE, WA 98248-7800
Document Number	2201004273
Instrument Date	Oct 5, 2020
Instrument	1004273
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5186 SPARROW CT FERNDALE WA 982487800, FERNDALE, WA 98248-7800

Mortgage

Document Number	2201004274
Date	Oct 23, 2020
Instrument	1004274

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 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	$5,069.00 (+6.02%)	$676,637 (+5.45%) Land $203,700 Building $472,937	$676,637 (+5.45%) Land $203,700 Building $472,937
2022		$641,656 Land $148,834 Building $492,822	$641,656 Land $148,834 Building $492,822
2021	$4,781.00

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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