5554 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5554 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,554 sqft · built 2019
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Jun 2017)
Tax Bill	$6,965 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`390126-039368-0000`

Property Details

APN / Parcel Number

Primary APN	`390126-039368-0000`
Alternative APNs	`177601` `541982`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,554 sqft Living Area
Gross Area	3,050 sqft
1st Floor Area	1,393 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	152,460 sqft (3.5 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	177601
Street Address	5554 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 3A ALTERATION TO FERNSIDE CLUSTER SHORT PLAT AS REC AF 2023-0600533
Legal Range	01
Legal Township	39
Legal Section	26
Legal Subdivision	ALTERATION TO FERNSIDE CLUSTER SHORT PLA
Legal Block	2
Legal Lot Number	3A
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2010
Census Tract	10503

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	5554 ELDER RD, FERNDALE, WA 98248-9515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Jun 7, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 7, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 9, 2019	Deed of Trust, Mortgage THEO INVESTMENTS LLC
Jan 23, 2019	Trustee's Deed, Construction Loan · Construction Mortgage THEO INVESTMENTS LLC
Jun 2, 2017	Warranty Deed, Transfer · Conventional with PMI JOEL SOTHERN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 2, 2017 · Amount on Record
Deed Sale	Jun 2, 2017 · Amount on Record
Deed Document Number	2017600186
Last Transfer Date	Mar 22, 2023
Transfer Doc	0000000531
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5554 ELDER RD, FERNDALE, WA 98248-9515
Transaction Type	Mortgage
Record Updated	May 8, 2024
Title Company	NOT AVAILABLE, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5554 ELDER RD, FERNDALE, WA 98248-9515

Mortgage

Document Number	0000401981
Date	Apr 26, 2024
Instrument	2024-0401981

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 7, 2023
Property Address	5554 ELDER RD, FERNDALE, WA 98248-9515
Document Number	0000600530
Instrument Date	Mar 24, 2023
Instrument	2023-0600530
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 7, 2023
Property Address	5554 ELDER RD, FERNDALE, WA 98248-9515
Document Number	0000600531
Instrument Date	Mar 22, 2023
Instrument	2023-0600531
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5554 ELDER RD, FERNDALE, WA 98248-9515
Document Number	2191201550
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5554 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515

Mortgage

Document Number	2191201550
Date	Dec 11, 2019
Instrument	1201550

Lender

Name	THEO INVESTMENTS LLC
Address	37921 STATE ROUTE 20, CONCRETE, WA 98237-9245

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Dec 10, 2021

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 23, 2019
Property Address	5554 ELDER RD, FERNDALE, WA 98248-9515
Instrument Date	Jan 10, 2019
Instrument	101706
Transaction Type	Construction Loan
Record Updated	Feb 5, 2019
Title Company	LAND TITLE AND ESCROW/SKAGIT, LAND TITLE & ESCROW/SKAGIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5554 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515

Mortgage

Document Number	2190101706
Date	Jan 23, 2019
Instrument	101706

Lender

Name	THEO INVESTMENTS LLC
Address	37921 STATE ROUTE 20, CONCRETE, WA 98237-9245

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 22, 2020

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 2, 2017
Property Address	5554 ELDER RD, FERNDALE, WA 98248-9515
Document Number	2170600186
Instrument Date	May 26, 2017
Instrument	600186
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,909.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4181 DEEMER RD #216 BELLINGHAM WA 982266494, 216, BELLINGHAM, WA 98226-6494

Mortgage

Document Number	2170600187
Date	Jun 2, 2017
Instrument	600187

Lender

Name	JOEL SOTHERN
Address	1745 LOS FELIZ DR # 2, THOUSAND OAKS, CA 91362-3058
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	36 Months
Due	Jun 1, 2020

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	$6,965.00 (-1.12%)	$888,220 (-1.79%) Land $316,802 Building $571,418	$888,220 (-1.79%) Land $316,802 Building $571,418
2024	$7,044.00 (+49.21%)	$904,440 (+36.58%) Land $355,000 Building $549,440	$904,440 (+36.58%) Land $355,000 Building $549,440
2022		$662,226 Land $190,788 Building $471,438	$662,226 Land $190,788 Building $471,438
2021	$4,721.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Northwest Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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