5649 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5649 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,568 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (May 2026)
Tax Bill	$4,183 (2025)
Deeds & Mortgages	Mar 2023 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390127-523448-0000`

Property Details

APN / Parcel Number

Primary APN	`390127-523448-0000`
Alternative APNs	`543577` `88739`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2015
Architectural Style	Mobile Home
Exterior Material	Metal
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	28 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	5 Parking Spaces
Deck Area	183 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88739
Street Address	5649 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9553
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R5A
Legal Description	N 209 FT OF S 601 FT OF E 229 FT OF NE NE-LESS RD 94 EATON PARK S#11819349 60X28 (TE AF 940329269)
Legal Range	01
Legal Township	39
Legal Section	27
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1036
Census Tract	10504

Owner

Source: Whatcom County records, as of May 29, 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 Record
Mailing Address	5649 ELDER RD, FERNDALE, WA 98248-9553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 21, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 24, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTREET BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	2026051812
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5649 ELDER RD, FERNDALE, WA 98248-9553
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5649 ELDER RD, FERNDALE, WA 98248-9553

Mortgage

Document Number	0000300036
Date	Mar 1, 2023
Instrument	2023-0300036

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2043

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 21, 2026
Property Address	5649 ELDER RD, FERNDALE, WA 98248-9553
Document Number	0000001812
Instrument Date	May 15, 2026
Instrument	20261812
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$983,740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5649 ELDER RD, FERNDALE, WA 98248-9553

Mortgage

Document Number	0000001813,
Date	May 21, 2026
Instrument	2026051813

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 24, 2017
Property Address	5649 ELDER RD, FERNDALE, WA 98248-9553
Document Number	2170702652
Instrument Date	Jul 7, 2017
Instrument	702652
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,021.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5649 ELDER RD FERNDALE WA 982489553, FERNDALE, WA 98248-9553

Mortgage

Document Number	2170702653
Date	Jul 24, 2017
Instrument	702653

Lender

Name	HOMESTREET BK
Type	Bank
Address	SEATTLE, WA 98101-2326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 23, 2032

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	$4,183.00 (+32.96%)	$539,373 (+14.64%) Land $229,280 Building $310,093	$539,373 (+14.64%) Land $229,280 Building $310,093
2022		$470,493 Land $200,000 Building $270,493	$470,493 Land $200,000 Building $270,493
2021	$3,146.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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	None beyond ember reach

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Pogozone powered by Neubeam Fixed Wireless	40 / 7

May also be available: Xfinity, Ziply Fiber.

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