Whatcom County property record for 5194 Elder Rd, Ferndale, WA 98248 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,952 sqft · built 1987 |
| Lot Size | 5.07 acres (220,849 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $532,250 (Sep 2019) |
| Tax Bill | $5,628 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 564747 |
| Primary APN | 564747 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 1,028 sqft |
| 2nd Floor Area | 924 sqft |
| Interior Walls | Unfinished |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 220,849 sqft (5.07 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 88 sqft |
| Patio Area | 232 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 564747 |
|---|---|
| Street Address | 5194 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PTN OF NW 1/4 DAF-BEAP ON W LI OF SD SUBDIV LY N 01 DEG 40'44\ E 730.25 FT FR SW COR-TH S 89 DEG 49'52\ E PAR WI S LI OF |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 35 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 10503 |
Source: Whatcom County records · APN 564747
Assessment roll updated May 31, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 5194 ELDER RD, FERNDALE, WA 98248-9573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FNDG |
| Mar 09, 2017 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Feb 25, 2011 |
| Deed Document Number | 2019-0901837 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 16, 2019 |
| Property Address | 5194 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 2190901837 |
| Instrument Date | Sep 09, 2019 |
| Instrument | 901837 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,479.05 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5194 ELDER RD FERNDALE WA 982489573, FERNDALE, WA 98248-9573 |
| Document Number | 2190901838 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 901838 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5194 ELDER RD, FERNDALE, WA 98248-9573 |
| Document Number | 2170302205 |
| Instrument Date | Mar 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2017 |
| Name | Verified Name |
|---|---|
| Address | 5194 ELDER RD FERNDALE WA 982489573, FERNDALE, WA 98248-9573 |
| Document Number | 2170302205 |
|---|---|
| Date | Mar 21, 2017 |
| Instrument | 302205 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,628.00 (+75%) | $722,686 (+25.37%) Land $338,200 Building $384,486 | $722,686 (+25.37%) Land $338,200 Building $384,486 |
| 2022 | $576,420 Land $269,757 Building $306,663 | $576,420 Land $269,757 Building $306,663 | |
| 2021 | $3,216.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730105032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 17 in force |
| Wildfire Risk | Low above 20% of the US · above 16% of Washington |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 28 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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