5888 Bay Pine Ct, Ferndale, WA 98248 Property Records

Whatcom County property record for 5888 Bay Pine Ct, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,409 sqft · built 2003
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$61,500 (Jul 2002)
Tax Bill	$6,077 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`390124-457243-0000`

Property Details

APN / Parcel Number

Primary APN	`390124-457243-0000`
Alternative APNs	`88126` `64216`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,409 sqft Living Area
Gross Area	4,136 sqft
1st Floor Area	1,140 sqft
Basement Area	1,116 sqft
Finished Basement	1,116 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	727 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	149 sqft
Deck Area	187 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	88126
Street Address	5888 BAY PINE CT
City	FERNDALE
State	WA
Zip	98248-8756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	LAKERIDGE ESTATES LOT 31
Legal Range	01
Legal Township	39
Legal Section	24
Legal Subdivision	LAKERIDGE ESTATES
Legal Block	2
Legal Lot Number	31
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2020
Census Tract	10503

Owner

Source: Whatcom County records, as of September 23, 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	5888 BAY PINE CT, FERNDALE, WA 98248-8756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2002 · Amount on Record
Deed Sale	Jul 18, 2002 · Amount on Record
Deed Document Number	2002702999
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Sep 16, 2026
Property Address	5888 BAY PINE CT, FERNDALE, WA 98248-8756
Document Number	0000001290
Instrument Date	Sep 11, 2026
Instrument	20261290
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5888 BAY PINE CT, FERNDALE, WA 98248-8756

Mortgage

Document Number	0000001290,
Date	Sep 16, 2026
Instrument	20261290

Lender

Name	WHATCOM EDUCATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5888 BAY PINE CT, FERNDALE, WA 98248-8756
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20211000490
Date	Oct 5, 2021
Instrument	2021-1000490

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$6,077.00 (+2.15%)	$811,626 (+2.06%) Land $234,740 Building $576,886	$811,626 (+2.06%) Land $234,740 Building $576,886
2022		$795,267 Land $220,499 Building $574,768	$795,267 Land $220,499 Building $574,768
2021	$5,949.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 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 96% of the US · lower than 97.6% of Washington
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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