5207 Spoonbill Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 5207 Spoonbill Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,316 sqft · built 2007
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,887 (Aug 2007)
Tax Bill	$5,345 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390233-202439-0000`

Property Details

APN / Parcel Number

Primary APN	`390233-202439-0000`
Alternative APNs	`548131` `99476`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,316 sqft Living Area
Gross Area	3,789 sqft
1st Floor Area	1,821 sqft
Basement Area	1,495 sqft
Finished Basement	1,495 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Concrete/Metal Slab
Porch Area	40 sqft
Deck Area	150 sqft
Patio Area	310 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	99476
Street Address	5207 SPOONBILL LN
City	FERNDALE
State	WA
Zip	98248-7803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LABOUNTY ESTATES LOT 44
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Block	1
Legal Lot Number	44
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1002
Census Tract	201

Owner

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

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 Record
Mailing Address	5207 SPOONBILL LN, FERNDALE, WA 98248-7803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK
Jul 26, 2019	Deed of Trust, Mortgage · Line of Credit SAVIBANK
Dec 29, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2007 · Amount on Record
Deed Sale	Aug 3, 2007 · Amount on Record
Prior Sale	Feb 2, 2006 · Amount on Record
Deed Document Number	2007800714
Last Transfer Date	Dec 5, 2017
Transfer Doc	0001203164
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5207 SPOONBILL LN, FERNDALE, WA 98248-7803
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	SPRUCE LAND SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001204539
Date	Dec 30, 2021
Instrument	2021-1204539

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5207 SPOONBILL LN, FERNDALE, WA 98248-7803
Document Number	2200802144
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5207 SPOONBILL LN FERNDALE WA 982487803, FERNDALE, WA 98248-7803

Mortgage

Document Number	2200802144
Date	Aug 14, 2020
Instrument	802144

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 13, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5207 SPOONBILL LN, FERNDALE, WA 98248-7803
Document Number	2190703681
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5207 SPOONBILL LN FERNDALE WA 982487803, FERNDALE, WA 98248-7803

Mortgage

Document Number	2190703681
Date	Jul 31, 2019
Instrument	703681

Lender

Name	SAVIBANK
Address	BELLINGHAM, WA 98225

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 29, 2017
Property Address	5207 SPOONBILL LN, FERNDALE, WA 98248-7803
Document Number	2171203164
Instrument Date	Dec 5, 2017
Instrument	1203164
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5207 SPOONBILL LN FERNDALE WA 982487803, FERNDALE, WA 98248-7803

Mortgage

Document Number	2171203165
Date	Dec 29, 2017
Instrument	1203165

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 28, 2037

Tax Assessment & Valuation

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	$5,345.00 (+4.72%)	$715,457 (+4.46%) Land $203,700 Building $511,757	$715,457 (+4.46%) Land $203,700 Building $511,757
2022		$684,883 Land $148,834 Building $536,049	$684,883 Land $148,834 Building $536,049
2021	$5,104.00

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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