5405 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5405 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,160 sqft · built 1910
Lot Size	1.27 acres (55,321 sqft)
Owner	Individual Name on File
Last Sale	$473,500 (Dec 2015)
Tax Bill	$6,649 (2025)
Deeds & Mortgages	Oct 2025 Transfer Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`526462`

Property Details

APN / Parcel Number

Primary APN	`526462`
Alternative APNs	`390127 512139 0000` `88732`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,160 sqft Living Area
1st Floor Area	1,832 sqft
2nd Floor Area	1,048 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	55,321 sqft (1.27 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	72 sqft
Storage Building	240 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	526462
Street Address	5405 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	E 418 FT OF S 139 FT OF E 1/2 NE SE-SUBJ TO ESMT FOR PIPELINE TO ELDER RD WATER ASSN REC AF 1006751-LESS RD
Legal Range	01
Legal Township	39
Legal Section	27
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1040
Census Tract	10504

Owner

5405 Elder Rd is owned by an individual who acquired it in October 2025.

Source: Whatcom County records, as of March 16, 2026

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

Owner of Record	Individual Name on File
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Intrafamily Transfer, Transfer
Jul 10, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2015 · Amount on File
Deed Sale	Dec 18, 2015 · Amount on File
Prior Sale	Dec 18, 2015 · Amount on File
Deed Document Number	2151202130
Last Transfer Date	Oct 24, 2025
Transfer Doc	0001001890
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Oct 24, 2025
Property Address	5405 ELDER RD, FERNDALE, WA 98248-9515
Document Number	0001001890
Instrument Date	Oct 14, 2025
Instrument	2025-1001890
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5405 ELDER RD, FERNDALE, WA 98248-9515
Document Number	2200702190
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5405 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515

Mortgage

Document Number	2200702190
Date	Jul 15, 2020
Instrument	702190

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5405 Elder Rd was $6,649, up 3.5% from the year before.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,649.00 (+3.5%)	$853,760 (+3.5%) Land $239,665 Building $614,095	$853,760 (+3.5%) Land $239,665 Building $614,095
2024	$6,424.00	$824,889 Land $231,560 Building $593,329	$824,889 Land $231,560 Building $593,329
2022		$736,508 Land $206,750 Building $529,758	$736,508 Land $206,750 Building $529,758
2021	$4,838.00

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

Flood

FEMA maps place 5405 Elder Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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.

Wildfire

Wildfire risk around 5405 Elder Rd 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 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elder Rd

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