Whatcom County property record for 5191 Olson Rd, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,645 sqft · built 2001 |
| Lot Size | 10.7 acres (468,706 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $800,000 (Dec 2021) |
| Tax Bill | $8,219 (2025) |
| Deeds & Mortgages | Aug 2022 Second Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 586971 |
| Primary APN | 586971 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,645 sqft Living Area |
| 1st Floor Area | 1,937 sqft |
| 2nd Floor Area | 708 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 468,706 sqft (10.7 acres) |
| Garage Type | Attached |
| Garage Area | 708 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 169 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 520873 |
|---|---|
| Street Address | 5191 OLSON RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | LOT 1 SANDY HILL ESTATES CLUSTER SHORT PLAT AS REC AF 1980903163 |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 35 |
| Legal Subdivision | SANDY HILL ESTATES CLUSTER SP |
| Legal Lot Number | 1 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 10503 |
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 | 3308 SKY RIDGE LN, TX |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WESTEDGE CU |
| Dec 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF THE PACIFIC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2021 · Amount on Record |
| Deed Sale | Dec 1, 2021 · Amount on Record |
| Prior Sale | Jun 4, 2015 · Amount on Record |
| Deed Document Number | 2021-1200121 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5191 OLSON RD, FERNDALE, WA 98248-9551 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000800396 |
|---|---|
| Date | Aug 4, 2022 |
| Instrument | 2022-0800396 |
| Name | WESTEDGE CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 15, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Dec 1, 2021 |
| Property Address | 5191 OLSON RD, FERNDALE, WA 98248-9551 |
| Document Number | 0001200121 |
| Map Reference | FILE 1980903163 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 2021-1200121 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,345.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3308 SKY RIDGE LN, CEDAR PARK, TX 78613-4388 |
| Document Number | 0001200122 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 2021-1200122 |
| Name | BANK OF THE PACIFIC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,219.00 (+79.26%) | $1,055,404 (+25.38%) Land $390,597 Building $664,807 | $1,055,404 (+25.38%) Land $390,597 Building $664,807 |
| 2022 | $841,795 Land $311,551 Building $530,244 | $841,795 Land $311,551 Building $530,244 | |
| 2021 | $4,585.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 17 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 17 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| Pogozone powered by Neubeam Fixed Wireless | 40 / 7 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
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