5559 2nd Ave, Ferndale, WA 98248 Property Records

Whatcom County property record for 5559 2nd Ave, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,647 sqft · built 1946
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2014)
Tax Bill	$3,791 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`390229-029377-0000`

Property Details

APN / Parcel Number

Primary APN	`390229-029377-0000`
Alternative APNs	`175032` `587500` `514015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,647 sqft Living Area
Gross Area	1,663 sqft
1st Floor Area	1,053 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1991
Architectural Style	Multi-Level
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	16 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	175032
Street Address	5559 2ND AVE
City	FERNDALE
State	WA
Zip	98248-9151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM1.5
Legal Description	LOT A SECOND STREET LLA AS REC AF 2120200172
Legal Range	02
Legal Township	39
Legal Section	29
Legal Subdivision	SECOND STREET LLA
Legal Block	2
Legal Lot Number	A
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2010
Census Tract	10506

Owner

5559 2nd Ave is owned and occupied by two individuals who bought it in August 2014.

Source: Whatcom County records, as of December 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5559 2ND AVE, FERNDALE, WA 98248-9151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage RESICENTRAL LLC
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage SAVIBANK
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage SAVIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2014 · Amount on File
Deed Sale	Aug 26, 2014 · Amount on File
Prior Sale	Jan 29, 2009 · Amount on File
Deed Document Number	2014802417
Prior Transfer Date	Feb 17, 2012
Prior Transfer Doc	0000300782
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Dec 17, 2021
Property Address	5559 2ND AVE, FERNDALE, WA 98248-9151
Document Number	0001202745
Map Reference	FILE 212020012
Instrument Date	Nov 20, 2021
Instrument	2021-1202745
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5529 2ND AVE, FERNDALE, WA 98248-9151

Mortgage

Document Number	0001202746
Date	Dec 17, 2021
Instrument	2021-1202746

Lender

Name	RESICENTRAL LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5559 2ND AVE, FERNDALE, WA 98248-9151
Document Number	2180501716
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5559 2ND AVE FERNDALE WA 982489151, FERNDALE, WA 98248-9151

Mortgage

Document Number	2180501716
Date	May 15, 2018
Instrument	501716

Lender

Name	SAVIBANK
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5559 2ND AVE, FERNDALE, WA 98248-9151
Document Number	2180601997
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5559 2ND AVE FERNDALE WA 982489151, FERNDALE, WA 98248-9151

Mortgage

Document Number	2180601997
Date	Jun 19, 2018
Instrument	601997

Lender

Name	SAVIBANK
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5559 2nd Ave was $3,791.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,791.00	$506,821 Land $213,400 Building $293,421	$506,821 Land $213,400 Building $293,421
2022		$438,780 Land $140,445 Building $298,335	$438,780 Land $140,445 Building $298,335
2021	$3,269.00

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

Flood

FEMA maps place 5559 2nd Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	75 units insured incl. 36 condo units
Nearby Flood Claims	13 (2009–2025)
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 12 claims

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 5559 2nd Ave is low, with 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNDALE serves 19,305 people · EPA ID WA5324850
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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