Whatcom County property record for 5851 Elder Rd, Ferndale, WA 98248
| Property Type | Farm - Dairy |
|---|---|
| Details | 3 bd · 1 ba · 2,772 sqft · built 1986 |
| Lot Size | 4.92 acres (214,315 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,682 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36311 |
| Primary APN | 36311 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,772 sqft Total Area |
| 1st Floor Area | 2,772 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Roof Material | Metal |
| Lot Area | 214,315 sqft (4.92 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Deck Area | 450 sqft |
| Patio Area | 702 sqft |
| Storage Building | 196 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 36311 |
|---|---|
| Street Address | 5851 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-8713 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Dairy |
| Local Zoning Code | R5A |
| Legal Description | S 325 FT OF N 975 FT OF E 680.62 FT OF NE SE-LESS RD |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 22 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 10504 |
Source: Whatcom County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3024 CHERRYWOOD AVE, BELLINGHAM, WA 98225-1030 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK |
| Sep 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5851 ELDER RD, FERNDALE, WA 98248-8713 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5851 ELDER RD, FERNDALE, WA 98248-8713 |
| Document Number | 0001202094 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 2021-1202094 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | FERNDALE, WA 98248 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5851 ELDER RD, FERNDALE, WA 98248-8713 |
| Document Number | 2180902125 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2018 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5851 ELDER RD FERNDALE WA 982488713, FERNDALE, WA 98248-8713 |
| Document Number | 2180902125 |
|---|---|
| Date | Sep 24, 2018 |
| Instrument | 902125 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2048 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,682.00 (+36.37%) | $472,772 (+15.73%) Land $89,449 Building $383,323 | $652,026 (+15.92%) Land $268,703 Building $383,323 |
| 2022 | $408,521 Land $77,842 Building $330,679 | $562,479 Land $231,800 Building $330,679 | |
| 2021 | $2,700.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
5G (outdoors only) and 4G LTE
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