5863 Seamount Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 5863 Seamount Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1955
Lot Size	0.204 acres (8,891 sqft)
Owner	Individual Name on File
Last Sale	$382,000 (Apr 2020)
Tax Bill	$3,568 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`569624`

Property Details

APN / Parcel Number

Primary APN	`569624`
Alternative APNs	`390219 309216 0000` `94366`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,891 sqft (0.204 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	308 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	569624
Street Address	5863 SEAMOUNT DR
City	FERNDALE
State	WA
Zip	98248-9253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS6.5
Legal Description	SEAMOUNT LOT 8 BLK 9
Legal Range	02
Legal Township	39
Legal Section	19
Legal Subdivision	SEAMOUNT
Legal Block	9
Legal Lot Number	8
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1016
Census Tract	10503

Owner

5863 Seamount Dr is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5863 SEAMOUNT DR, FERNDALE, WA 98248-9253
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
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU
Apr 9, 2020	Warranty Deed, Transfer · Conventional with PMI UMPQUA BK
Sep 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
May 22, 2017	Grant Deed, Transfer · Conventional with PMI WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on File
Deed Sale	Apr 9, 2020 · Amount on File
Prior Sale	May 22, 2017 · Amount on File
Deed Document Number	2020-0401103
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5863 SEAMOUNT DR, FERNDALE, WA 98248-9253
Transaction Type	Mortgage
Record Updated	Jan 11, 2024
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001201351
Date	Dec 20, 2023
Instrument	2023-1201351

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 9, 2020
Property Address	5863 SEAMOUNT DR, FERNDALE, WA 98248-9253
Document Number	2200401103
Instrument Date	Apr 9, 2020
Instrument	401103
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,117.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5863 SEAMOUNT DR FERNDALE WA 982489253, FERNDALE, WA 98248-9253

Mortgage

Document Number	2200401104
Date	Apr 9, 2020
Instrument	401104

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5863 SEAMOUNT DR, FERNDALE, WA 98248-9253
Document Number	2180902242
Instrument Date	Sep 19, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5863 SEAMOUNT DR FERNDALE WA 982489253, FERNDALE, WA 98248-9253

Mortgage

Document Number	2180902242
Date	Sep 24, 2018
Instrument	902242

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2028

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WHATCOM WA
Recording Date	May 22, 2017
Property Address	5863 SEAMOUNT DR, FERNDALE, WA 98248-9253
Document Number	2170502518
Instrument Date	May 19, 2017
Instrument	502518
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,080.31
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5863 SEAMOUNT DR FERNDALE WA 982489253, FERNDALE, WA 98248-9253

Mortgage

Document Number	2170502519
Date	May 22, 2017
Instrument	502519

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5863 Seamount Dr was $3,568.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,568.00	$476,345 Land $224,070 Building $252,275	$476,345 Land $224,070 Building $252,275
2022		$380,370 Land $149,808 Building $230,562	$380,370 Land $149,808 Building $230,562
2021	$2,834.00

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

Flood

FEMA maps place 5863 Seamount Dr in Zone X, an area of minimal flood risk.

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	2 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

The area around 5863 Seamount Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNDALE serves 19,305 people · EPA ID WA5324850
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ziply Fiber.

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