Whatcom County property record for 5944 Ranch Loop, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Mar 2026) |
| Tax Bill | $1,381 (2025) |
| Deeds & Mortgages | Apr 2025 Construction Loan Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 390124-381399-0000 |
| Primary APN | 390124-381399-0000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 4,356 sqft (0.1 acres) |
|---|
| Account Number | 192019 |
|---|---|
| Street Address | 5944 RANCH LOOP |
| City | FERNDALE |
| State | WA |
| Zip | 98248-2138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS10.5 |
| Legal Description | CHURCH HILL RANCH PUD LOT 46 |
| Legal Subdivision | CHURCH HILL RANCH PUD |
| Legal Lot Number | 46 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10503 |
5944 Ranch Loop is owned and occupied by two individuals who bought it in March 2026.
Source: Whatcom County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5944 RANCH LOOP, FERNDALE, WA 98248-2138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 30, 2025 | Deed of Trust, Mortgage · Construction Mortgage WASHINGTON FEDERAL NA |
| Mar 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2026 · Amount on File |
| Deed Sale | Mar 23, 2026 · Amount on File |
| Deed Document Number | 2026031774 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5944 RANCH LOOP, FERNDALE, WA 98248-2138 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000402508 |
|---|---|
| Date | Apr 30, 2025 |
| Instrument | 2025-0402508 |
| Name | WASHINGTON FEDERAL NA |
|---|---|
| Type | Bank |
| Address | SEATTLE, WA 98101 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 23, 2026 |
| Property Address | 5944 RANCH LOOP, FERNDALE, WA 98248-2138 |
| Document Number | 0000301774 |
| Map Reference | AF 2023-0700991 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 2026-0301774 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,965.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5944 RANCH LOOP, FERNDALE, WA 98248-2138 |
| Document Number | 0000301775 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 2026-0301775 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2025 property tax bill for 5944 Ranch Loop was $1,381.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Ferndale City |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,381.00 | $183,330 Land $183,330 | $183,330 Land $183,330 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5944 Ranch Loop 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 |
| Flood Insurance Cost | Premium on File 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 risk around 5944 Ranch Loop is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Washington |
|---|---|
| Wildfire Likelihood | Under 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Ziply Fiber.
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