Whatcom County property record for 5655 Elder Rd, Ferndale, WA 98248 · Last verified June 2026
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,498 sqft · built 1993 |
| Lot Size | 5.17 acres (225,205 sqft) |
| Owner | Individual Name on File |
| Last Sale | $6,885,000 (Aug 2020) |
| Tax Bill | $4,250 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 390127-480495-0000 |
| Primary APN | 390127-480495-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,498 sqft Living Area |
| Gross Area | 2,026 sqft |
| 1st Floor Area | 1,498 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Mobile Home |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 225,205 sqft (5.17 acres) |
| Lot Dimensions | 27 ft deep x 56 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Wood Porch |
|---|---|
| Porch Area | 12 sqft |
| Deck Area | 252 sqft |
| Storage Building | 208 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 88711 |
|---|---|
| Street Address | 5655 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9553 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | E 300 FT OF W 316.5 FT OF N 771 FT OF E 1/2 NE NE-LESS RD 93 RIVER POINTE S#12578 56X27 (TE AF 2011003158) |
| 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 |
Source: Whatcom County records · APN 390127-480495-0000
Assessment roll updated December 30, 2025 · Last verified June 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 | 5655 ELDER RD, FERNDALE, WA 98248-9553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Line of Credit BANNER BANK |
| Aug 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 20, 2020 · Amount on Record |
| Deed Sale | Aug 20, 2020 · Amount on Record |
| Prior Sale | Aug 20, 2020 · Amount on Record |
| Deed Document Number | 202083280 |
| Prior Transfer Date | Mar 03, 2008 |
| Prior Transfer Doc | 0000303473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 26, 2026 |
| Property Address | 5655 ELDER RD, FERNDALE, WA 98248-9553 |
| Document Number | 0000001949 |
| Instrument Date | May 15, 2026 |
| Instrument | 20261949 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 5655 ELDER RD, FERNDALE, WA 98248-9553 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001949, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20261949 |
| Name | BANNER BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 20, 2020 |
| Property Address | 5655 ELDER RD, FERNDALE, WA 98248-9553 |
| Document Number | 2200803280 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 803280 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,885.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5655 ELDER RD FERNDALE WA 982489553, FERNDALE, WA 98248-9553 |
| Document Number | 2200803281 |
|---|---|
| Date | Aug 20, 2020 |
| Instrument | 803281 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 19, 2035 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,250.00 (+12.49%) | $561,712 (+14.89%) Land $303,597 Building $258,115 | $561,712 (+14.89%) Land $303,597 Building $258,115 |
| 2022 | $488,913 Land $264,250 Building $224,663 | $488,913 Land $264,250 Building $224,663 | |
| 2021 | $3,778.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730105041, 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low above 20% of the US · above 16% of Washington |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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 |
May also be available at this address: Xfinity, Northwest Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.
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