Whatcom County property record for 5481 Elder Rd, Ferndale, WA 98248 · Last verified June 2026
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1991 |
| Lot Size | 9.69 acres (422,096 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $299,000 (Sep 2014) |
| Tax Bill | $5,151 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 390127-500224-0000 |
| Primary APN | 390127-500224-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Mobile Home |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 422,096 sqft (9.69 acres) |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Wood Porch |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 372 sqft |
| Storage Building | 1,536 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 88727 |
|---|---|
| Street Address | 5481 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9515 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | N 10 ACRES OF TR DAF-E 1/2 NE SE-EXC E 418 FT OF S 139 FT THEREOF-TOG WI 50% MIN-OIL-GAS RTS 91 GLEN RIVER S#GR3941XY 60X27 (MH TE AF 2140900605) |
| 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 |
Source: Whatcom County records · APN 390127-500224-0000
Assessment roll updated December 30, 2025 · Last verified June 2026
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 | 5481 ELDER RD, FERNDALE, WA 98248-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 03, 2025 | Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU OF WHATCOM COUNTY |
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE PACIFIC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 03, 2014 · Amount on Record |
| Deed Sale | Sep 03, 2014 · Amount on Record |
| Deed Document Number | 2014900186 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5481 ELDER RD, FERNDALE, WA 98248-9515 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5481 ELDER RD, FERNDALE, WA 98248-9515 |
| Document Number | 0001100028 |
|---|---|
| Date | Nov 03, 2025 |
| Instrument | 2025-1100028 |
| Name | INDUSTRIAL CU OF WHATCOM COUNTY |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5481 ELDER RD, FERNDALE, WA 98248-9515 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000304410 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021-0304410 |
| Name | BANK OF THE PACIFIC |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,151.00 (+12.3%) | $681,364 (+14.89%) Land $383,733 Building $297,631 | $681,364 (+14.89%) Land $383,733 Building $297,631 |
| 2022 | $593,057 Land $334,000 Building $259,057 | $593,057 Land $334,000 Building $259,057 | |
| 2021 | $4,587.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730105041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None 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.
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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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