1. Home
  2. Washington
  3. Whatcom County
  4. Ferndale
  5. Elder Rd

5448 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5448 Elder Rd, Ferndale, WA 98248 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 4,350 sqft · built 2005
Lot Size4.92 acres (214,315 sqft)
OwnerIndividual Name on File
Last Sale$645,951 (Sep 2008)
Tax Bill$10,925 (2025)
Deeds & MortgagesAug 2023 Line of Credit
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN42632

Property Details

APN / Parcel Number

Primary APN42632
Alternative APNs
  • 390126 036183 0000
  • 88518

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,350 sqft Living Area
1st Floor Area2,332 sqft
2nd Floor Area2,018 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Architectural StyleSplit Level
Exterior MaterialCombination
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area214,315 sqft (4.92 acres)
Garage TypeBuilt-in
Garage Area1,088 sqft
Parking Spaces4 Parking Spaces
PorchPorch
Porch Area249 sqft
Patio Area248 sqft

Utilities, Heating & Cooling

Heating SystemHot Water

Location & Zoning

Account Number42632
Street Address5448 ELDER RD
CityFERNDALE
StateWA
Zip98248-9515
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTR IN NW SW DAF-BEAP S 00 DEG 43'06\ W 656.70 FT FR W 1/4 SEC COR TH S 89 DEG 31'37\ E 660.01 FT-TH S 00 DEG 43'06\ W 326.83
Legal Range01
Legal Township39
Legal Section26
JurisdictionWHATCOM WA
Township / Civil DivisionFERNDALE
Census Block Group2
Census Block2022
Census Tract10503

Owner

Source: Whatcom County records · APN 42632

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5448 ELDER RD, FERNDALE, WA 98248-9515
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2023Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Nov 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
KEYBANK USA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 08, 2008 · Amount on Record
Deed SaleSep 08, 2008 · Amount on Record
Prior SaleMay 21, 2004 · Amount on Record
Deed Document Number2080900728
Record UpdatedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address5448 ELDER RD, FERNDALE, WA 98248-9515
Transaction TypeMortgage
Record UpdatedNov 01, 2023
Title CompanyWFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000801362
DateAug 18, 2023
Instrument2023-0801362
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 07, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address5448 ELDER RD, FERNDALE, WA 98248-9515
Document Number2201205329
Instrument DateNov 16, 2020
Transaction TypeMortgage
Record UpdatedJan 11, 2021
Title CompanySERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5448 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515

Mortgage

Document Number2201205329
DateDec 30, 2020
Instrument1205329
Lender
NameKEYBANK USA
TypeBank
AddressCLEVELAND, OH 44114-1306
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 29, 2050

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictFerndale School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$10,925.00 (+34.2%)$1,402,736 (+16.56%) Land $342,146 Building $1,060,590$1,402,736 (+16.56%) Land $342,146 Building $1,060,590
2022$1,203,426 Land $318,176 Building $885,250$1,203,426 Land $318,176 Building $885,250
2021$8,141.00

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 17 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies17 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Elder Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures