5201 Sparrow Ct, Ferndale, WA 98248 Property Records

Whatcom County property record for 5201 Sparrow Ct, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,224 sqft · built 2006
Lot Size	0.151 acres (6,612 sqft)
Owner	2 Company Names on Record
Last Sale	$625,000 (Dec 2023)
Tax Bill	$4,955 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`585928`

Property Details

APN / Parcel Number

Primary APN	`585928`
Alternative APNs	`390233 229433 0000` `499731` `99509`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,224 sqft Living Area
1st Floor Area	2,224 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,612 sqft (0.151 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	88 sqft
Deck Area	224 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	499731
Street Address	5201 SPARROW CT
City	FERNDALE
State	WA
Zip	98248-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LABOUNTY ESTATES LOT 16
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Lot Number	16
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 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	5201 SPARROW CT, FERNDALE, WA 98248-7801
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 22, 2021	Warranty Deed, Transfer
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK
Aug 28, 2020	Warranty Deed, Transfer · Conventional with PMI PEOPLES BK
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Prior Sale	Oct 22, 2021
Deed Document Number	2023-1200798
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 13, 2023
Property Address	5201 SPARROW CT, FERNDALE, WA 98248-7801
Document Number	0001200798
Map Reference	FILE 2050902681
Instrument Date	Dec 8, 2023
Instrument	2023-1200798
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,185.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5201 SPARROW CT, FERNDALE, WA 98248-7801

Mortgage

Document Number	0001200799
Date	Dec 13, 2023
Instrument	2023-1200799

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 22, 2021
Property Address	5201 SPARROW CT, FERNDALE, WA 98248-7801
Document Number	0001003634
Map Reference	AF 2050900662
Instrument Date	Oct 18, 2021
Instrument	2021-1003634
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5201 SPARROW CT, FERNDALE, WA 98248-7801
Document Number	2210101759
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5201 SPARROW CT FERNDALE WA 982487801, FERNDALE, WA 98248-7801

Mortgage

Document Number	2210101759
Date	Jan 13, 2021
Instrument	101759

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 28, 2020
Property Address	5201 SPARROW CT, FERNDALE, WA 98248-7801
Document Number	2200804789
Instrument Date	Aug 26, 2020
Instrument	804789
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,317.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5201 SPARROW CT FERNDALE WA 982487801, FERNDALE, WA 98248-7801

Mortgage

Document Number	2200804790
Date	Aug 28, 2020
Instrument	804790

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5201 SPARROW CT, FERNDALE, WA 98248-7801
Document Number	2170302323
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Apr 13, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5201 SPARROW CT FERNDALE WA 982487801, FERNDALE, WA 98248-7801

Mortgage

Document Number	2170302323
Date	Mar 22, 2017
Instrument	302323

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2047

Interest

Rate Type	Adjustable Rate

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	$4,955.00 (+9.38%)	$661,421 (+8.81%) Land $203,700 Building $457,721	$661,421 (+8.81%) Land $203,700 Building $457,721
2022		$607,872 Land $148,834 Building $459,038	$607,872 Land $148,834 Building $459,038
2021	$4,530.00

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.

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