5433 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5433 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,031 sqft · built 2002
Lot Size	7.9 acres (344,124 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Apr 2017)
Tax Bill	$7,115 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`390127-500169-0000`

Property Details

APN / Parcel Number

Primary APN	`390127-500169-0000`
Alternative APNs	`540514` `88726`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,031 sqft Living Area
Gross Area	2,319 sqft
1st Floor Area	1,671 sqft
Upper Floors Area	360 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2008
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	344,124 sqft (7.9 acres)
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	446 sqft
Deck Area	180 sqft
Patio Area	439 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88726
Street Address	5433 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 1/2 NE SE-EXC E 418 FT OF S 139 FT-EXC N 10 ACRES THEREOF-LESS RD-WIDENED CO RD DESC AF 994091-SUBJ TO ESMT FOR PIPELINE REC AF 1006748 TO ELDER RD WATER ASSN-EXC 50% MIN-OIL-GAS RTS
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

Source: Whatcom County assessment roll, 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 File
Mailing Address	5433 ELDER RD, FERNDALE, WA 98248-9515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
Apr 18, 2017	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 18, 2017 · Amount on Record
Deed Sale	Apr 18, 2017 · Amount on Record
Prior Sale	Apr 21, 2011 · Amount on Record
Deed Document Number	2017401654
Prior Transfer Date	Apr 6, 2017
Prior Transfer Doc	0000401654
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5433 ELDER RD, FERNDALE, WA 98248-9515
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000800062
Date	Aug 1, 2022
Instrument	2022-0800062

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2042

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 18, 2017
Property Address	5433 ELDER RD, FERNDALE, WA 98248-9515
Document Number	2170401654
Instrument Date	Apr 6, 2017
Instrument	401654
Transaction Type	Transfer
Record Updated	Apr 25, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Tax	$8,371.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5433 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$7,115.00 (+52.36%)	$939,906 (+46.21%) Land $345,442 Building $594,464	$939,906 (+46.21%) Land $345,442 Building $594,464
2022		$642,829 Land $298,000 Building $344,829	$642,829 Land $298,000 Building $344,829
2021	$4,670.00

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
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

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 17 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

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