5865 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5865 Elder Rd, Ferndale, WA 98248 · Last verified March 2026

Property Summary

Property Type	Farm - Dairy
Details	5 bd · 5 ba · 3,316 sqft · built 1997
Lot Size	4.84 acres (211,266 sqft)
Owner	Company Name on File
Last Sale	$640,000 (Sep 2018)
Tax Bill	$6,444 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`557289`

Property Details

APN / Parcel Number

Primary APN	`557289`
Alternative APNs	`390122 500217 0000` `87774`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,316 sqft Total Area
1st Floor Area	2,028 sqft
2nd Floor Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	211,266 sqft (4.84 acres)
Garage Type	Attached
Garage Area	1,000 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	981 sqft
Storage Building	180 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	557289
Street Address	5865 ELDER RD
City	FERNDALE
State	WA
Zip	98248-8713
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Dairy
Legal Description	S 320 FT OF N 650 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

Owner

Source: Whatcom County records · APN 557289

Assessment roll updated May 31, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5865 ELDER RD, FERNDALE, WA 98248-8713
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
May 04, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Dec 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Sep 14, 2018	Warranty Deed, Transfer · VA Mortgage NBKC BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 14, 2018 · Amount on Record
Deed Sale	Sep 14, 2018 · Amount on Record
Prior Sale	Sep 14, 2018 · Amount on Record
Deed Document Number	2180901287
Last Transfer Date	Dec 11, 2018
Transfer Doc	2181200865
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5865 ELDER RD, FERNDALE, WA 98248-8713
Transaction Type	Mortgage
Record Updated	Nov 01, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201164
Date	Feb 10, 2022
Instrument	2022-0201164

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5865 ELDER RD, FERNDALE, WA 98248-8713
Document Number	2200905629
Instrument Date	May 04, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5865 ELDER RD FERNDALE WA 982488713, FERNDALE, WA 98248-8713

Mortgage

Document Number	2200905629
Date	Sep 30, 2020
Instrument	905629

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 11, 2018
Property Address	5865 ELDER RD, FERNDALE, WA 98248-8713
Document Number	2181200865
Instrument Date	Nov 30, 2018
Instrument	1200865
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5865 ELDER RD FERNDALE WA 982488713, FERNDALE, WA 98248-8713

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 14, 2018
Property Address	5865 ELDER RD, FERNDALE, WA 98248-8713
Document Number	2180901287
Instrument Date	Sep 07, 2018
Instrument	901287
Transaction Type	Transfer
Record Updated	Oct 09, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$11,397.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5865 ELDER RD FERNDALE WA 982488713, FERNDALE, WA 98248-8713

Mortgage

Document Number	2180901288
Date	Sep 14, 2018
Instrument	901288

Lender

Name	NBKC BK
Address	KANSAS CITY, MO 64114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2048

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,444.00 (+21.72%)	$827,472 (+15.81%) Land $89,404 Building $738,068	$1,048,154 (+15.92%) Land $310,086 Building $738,068
2022		$714,496 Land $77,791 Building $636,705	$904,205 Land $267,500 Building $636,705
2021	$5,294.00

Flood & Wildfire

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Northwest Fiber, Declaration Networks Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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