5190 Spoonbill Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 5190 Spoonbill Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,497 sqft · built 2006
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$10,000 (Sep 2020)
Tax Bill	$4,835 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390233-219420-0000`

Property Details

APN / Parcel Number

Primary APN	`390233-219420-0000`
Alternative APNs	`550449` `99494`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,497 sqft Living Area
Gross Area	3,187 sqft
1st Floor Area	1,076 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	186 sqft
Patio Area	565 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	99494
Street Address	5190 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 13
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Block	1
Legal Lot Number	13
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1002
Census Tract	201

Owner

5190 Spoonbill Ln is owned and occupied by two individuals who bought it in September 2020.

Source: Whatcom County records, as of December 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5190 SPOONBILL LN, FERNDALE, WA 98248-7802
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Quit Claim Deed, Transfer HERITAGE BK
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Document Number	202093413
Prior Transfer Date	Sep 18, 2020
Prior Transfer Doc	0000093413
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 21, 2020
Property Address	5190 SPOONBILL LN, FERNDALE, WA 98248-7802
Document Number	2200903413
Instrument Date	Sep 18, 2020
Instrument	903413
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	GUARDIAN NW TITLE COMPANY, GUARDIAN NW TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5190 SPOONBILL LN FERNDALE WA 982487802, FERNDALE, WA 98248-7802

Mortgage

Document Number	2200903414
Date	Sep 21, 2020
Instrument	903414

Lender

Name	HERITAGE BK
Type	Bank
Address	OLYMPIA, WA 98501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 10, 2018
Property Address	5190 SPOONBILL LN, FERNDALE, WA 98248-7802
Document Number	2180401028
Instrument Date	Apr 6, 2018
Instrument	401028
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,214.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5190 SPOONBILL LN FERNDALE WA 982487802, FERNDALE, WA 98248-7802

Mortgage

Document Number	2180401029
Date	Apr 10, 2018
Instrument	401029

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5190 Spoonbill Ln was $4,835.

Source: Whatcom County assessment roll, as of December 30, 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	$4,835.00	$646,936 Land $203,700 Building $443,236	$646,936 Land $203,700 Building $443,236
2022		$606,908 Land $148,834 Building $458,074	$606,908 Land $148,834 Building $458,074
2021	$4,522.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5190 Spoonbill Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 5190 Spoonbill Ln is low, with less than 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 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