Whatcom County property record for 5895 Elder Rd, Ferndale, WA 98248 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,142 sqft · built 1978 |
| Lot Size | 6.42 acres (279,655 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,923 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 529783 |
| Primary APN | 529783 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,142 sqft Living Area |
| 1st Floor Area | 1,566 sqft |
| 2nd Floor Area | 576 sqft |
| Game Room | Game Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Metal |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 279,655 sqft (6.42 acres) |
| Garage Type | Detached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Patio Area | 324 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 529783 |
|---|---|
| Street Address | 5895 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-8713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 RESERVE TRACT HANNAH CLUSTER SHORT PLAT AS REC AF 2111000196 |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 22 |
| Legal Subdivision | HANNAH CLUSTER SHORT PLAT |
| Legal Tract | H |
| Legal Lot Number | 2 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 10504 |
Source: Whatcom County records · APN 529783
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 | Individual Name on File |
|---|---|
| Mailing Address | 5895 ELDER RD, FERNDALE, WA 98248-8713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Nov 08, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Apr 27, 2016 |
| Transfer Doc | 2160402711 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5895 ELDER RD, FERNDALE, WA 98248-8713 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000605327 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021-0605327 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5895 ELDER RD, FERNDALE, WA 98248-8713 |
| Document Number | 2201203620 |
| Instrument Date | Nov 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Address | 5895 ELDER RD FERNDALE WA 982488713, FERNDALE, WA 98248-8713 |
| Document Number | 2201203620 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 1203620 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
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 | $4,923.00 (+29.08%) | $632,202 (+15.92%) Land $316,172 Building $316,030 | $632,202 (+15.92%) Land $316,172 Building $316,030 |
| 2022 | $545,378 Land $272,750 Building $272,628 | $545,378 Land $272,750 Building $272,628 | |
| 2021 | $3,814.00 |
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
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Declaration Networks Group | Fixed Wireless (unlicensed) | 75 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Declaration Networks Group, Northwest Fiber, Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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