5659 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5659 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,156 sqft · built 1997
Lot Size	4.4 acres (191,664 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Dec 2004)
Tax Bill	$5,355 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390127-510481-0000`

Property Details

APN / Parcel Number

Primary APN	`390127-510481-0000`
Alternative APNs	`552375` `586432` `88731`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,156 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	2,156 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	191,664 sqft (4.4 acres)
Garage Type	Attached
Garage Area	924 sqft
Parking Spaces	4 Parking Spaces
Porch	Concrete/Metal Slab
Porch Area	454 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88731
Street Address	5659 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	N 813 FT OF E 1/2 NE NE-EXC W 316.5 FT THEREOF-EXC N 209 FT OF S 601 FT OF E 229 FT OF NE NE-EXC 1 SQ ACRE EXCL OF RDS IN NE COR THEREOF-LESS RDS
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 April 2, 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	5659 ELDER RD, FERNDALE, WA 98248-9553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 10, 2021	Intrafamily Transfer, Transfer
Jun 12, 2018	Affidavit of Death, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2004 · Amount on Record
Deed Sale	Dec 17, 2004 · Amount on Record
Prior Sale	Nov 18, 2004 · Amount on Record
Deed Document Number	20041203175
Last Transfer Date	Nov 10, 2021
Transfer Doc	20211101689
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5659 ELDER RD, FERNDALE, WA 98248-9553
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102580
Date	Jan 24, 2022
Instrument	2022-0102580

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Nov 10, 2021
Property Address	5659 ELDER RD, FERNDALE, WA 98248-9553
Document Number	20211101689
Instrument Date	Nov 10, 2021
Instrument	2021-1101689
Transaction Type	Transfer
Record Updated	Nov 16, 2021

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

June 2018: Affidavit of Death, Mortgage

Document Type	Affidavit of Death
Jurisdiction	WHATCOM WA
Recording Date	Jun 12, 2018
Property Address	5659 ELDER RD, FERNDALE, WA 98248-9553
Document Number	2180601207
Instrument Date	Jun 7, 2018
Instrument	601207
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5659 ELDER RD FERNDALE WA 982489553, FERNDALE, WA 98248-9553

Mortgage

Document Number	2180601208
Date	Jun 12, 2018
Instrument	601208

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

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	$5,355.00 (+23.3%)	$708,536 (+15.92%) Land $284,294 Building $424,242	$708,536 (+15.92%) Land $284,294 Building $424,242
2022		$611,228 Land $245,250 Building $365,978	$611,228 Land $245,250 Building $365,978
2021	$4,343.00

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

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Pogozone powered by Neubeam Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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