Whatcom County property record for 5586 Elder Rd, Ferndale, WA 98248 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,414 sqft · built 2015 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Mar 2014) |
| Tax Bill | $5,461 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit Sep 2017 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 510662 |
| Primary APN | 510662 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,414 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| 2nd Floor Area | 1,412 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Built-in |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Deck Area | 40 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 510662 |
|---|---|
| Street Address | 5586 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 FERNSIDE CLUSTER SHORT PLAT AS REC AF 2120601740 |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 26 |
| Legal Subdivision | FERNSIDE CLUSTER SHORT PLAT |
| Legal Lot Number | 1 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 10503 |
Source: Whatcom County records · APN 510662
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 5586 ELDER RD, FERNDALE, WA 98248-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2020 | Deed of Trust, Mortgage · Line of Credit WASHINGTON FED'L BK |
| Sep 01, 2017 | Quit Claim Deed, Transfer · Line of Credit WASHINGTON FED'L SVGS |
| Sep 01, 2017 | Quit Claim Deed, Mortgage · Conventional Mortgage WASHINGTON FED'L SVGS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 04, 2014 · Amount on Record |
| Deed Sale | Mar 04, 2014 · Amount on Record |
| Prior Sale | Sep 01, 2017 · Amount on Record |
| Deed Document Number | 2140300216 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5586 ELDER RD, FERNDALE, WA 98248-9515 |
| Document Number | 2200201662 |
| Instrument Date | Feb 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 5586 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515 |
| Document Number | 2200201662 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 201662 |
| Name | WASHINGTON FED'L BK |
|---|---|
| Address | SEATTLE, WA 98101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 01, 2017 |
| Property Address | 5586 ELDER RD, FERNDALE, WA 98248-9515 |
| Document Number | 2170900113 |
| Instrument Date | Aug 24, 2017 |
| Instrument | 900113 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,519.54 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 5586 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515 |
| Document Number | 2170900116 |
|---|---|
| Date | Sep 01, 2017 |
| Instrument | 900116 |
| Name | WASHINGTON FED'L SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | SEATTLE, WA 98101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 01, 2017 |
| Property Address | 5586 ELDER RD, FERNDALE, WA 98248-9515 |
| Document Number | 2170900114 |
| Instrument Date | Aug 24, 2017 |
| Instrument | 900114 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 5586 ELDER RD FERNDALE WA 982489515, FERNDALE, WA 98248-9515 |
| Document Number | 2170900115 |
|---|---|
| Date | Sep 01, 2017 |
| Instrument | 900115 |
| Name | WASHINGTON FED'L SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | SEATTLE, WA 98101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 31, 2047 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 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 | $5,461.00 (+32.58%) | $701,211 (+15.92%) Land $272,360 Building $428,851 | $701,211 (+15.92%) Land $272,360 Building $428,851 |
| 2022 | $604,913 Land $156,544 Building $448,369 | $604,913 Land $156,544 Building $448,369 | |
| 2021 | $4,119.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 17 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 20 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Declaration Networks Group | Fixed Wireless (unlicensed) | 40 / 7 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
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