5629 Elm Ct, Ferndale, WA 98248 Property Records

Whatcom County property record for 5629 Elm Ct, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,352 sqft · built 1973
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$234,900 (Sep 2015)
Tax Bill	$3,681 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390227-007472-0000`

Property Details

APN / Parcel Number

Primary APN	`390227-007472-0000`
Alternative APNs	`524279` `96885`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1988
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Deck Area	78 sqft
Patio Area	374 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	96885
Street Address	5629 ELM CT
City	FERNDALE
State	WA
Zip	98248-9132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	DEER CREEK PARK DIV NO 3 LOT 7
Legal Range	02
Legal Township	39
Legal Section	27
Legal Subdivision	DEER CREEK PARK DIV NO 3
Legal Block	1
Legal Lot Number	7
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1043
Census Tract	10600

Owner

5629 Elm Ct is owned and occupied by two individuals who bought it in September 2015.

Source: Whatcom County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5629 ELM CT, FERNDALE, WA 98248-9132
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MTG
Jul 12, 2019	Deed of Trust, Mortgage · Conventional with PMI GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2015 · Amount on File
Deed Sale	Sep 18, 2015 · Amount on File
Prior Sale	Jun 20, 2005 · Amount on File
Deed Document Number	2015902181
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5629 ELM CT, FERNDALE, WA 98248-9132
Document Number	2200902622
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5629 ELM CT FERNDALE WA 982489132, FERNDALE, WA 98248-9132

Mortgage

Document Number	2200902622
Date	Sep 16, 2020
Instrument	902622

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5629 ELM CT, FERNDALE, WA 98248-9132
Document Number	2190702154
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5629 ELM CT FERNDALE WA 982489132, FERNDALE, WA 98248-9132

Mortgage

Document Number	2190702154
Date	Jul 19, 2019
Instrument	702154

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5629 Elm Ct was $3,681, up 10.1% from the year before.

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
2026	$3,681.00 (+10.08%)
2025	$3,344.00	$211,019 Land $200,790 Building $10,229	$211,019 Land $200,790 Building $10,229
2022		$368,569 Land $148,834 Building $219,735	$368,569 Land $148,834 Building $219,735
2021	$2,856.00

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

Flood

FEMA maps place 5629 Elm Ct in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1989.

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 File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	19 (1989–2025)
Claims Outside the SFHA	1 of 19
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 · 6 claims Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 5 claims Severe Storms, High Wind, And Flooding, Nov 1995 · 3 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 5629 Elm Ct is low, with less than 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 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, Verizon, Ziply Fiber.

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