5946 Ranch Loop, Ferndale, WA 98248 Property Records

Whatcom County property record for 5946 Ranch Loop, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$729,000 (Apr 2026)
Tax Bill	$1,381 (2025)
Deeds & Mortgages	Jun 2025 Construction Loan Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390124-381394-0000`

Property Details

APN / Parcel Number

Primary APN	`390124-381394-0000`
Alternative APNs	`192018` `565473`

Exterior

Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Account Number	192018
Street Address	5946 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 45
Legal Subdivision	CHURCH HILL RANCH PUD
Legal Lot Number	45
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2002
Census Tract	10503

Owner

5946 Ranch Loop is owned and occupied by two individuals who bought it in April 2026.

Source: Whatcom County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5946 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.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2025	Deed of Trust, Mortgage · Construction Mortgage WASHINGTON FEDERAL NA
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on File
Deed Sale	Apr 27, 2026 · Amount on File
Deed Document Number	20262220
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5946 RANCH LOOP, FERNDALE, WA 98248-2138
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000600737
Date	Jun 10, 2025
Instrument	2025-0600737

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 27, 2026
Property Address	5946 RANCH LOOP, FERNDALE, WA 98248-2138
Document Number	0000002220
Instrument Date	Apr 24, 2026
Instrument	20262220
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,215,656.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5946 RANCH LOOP, FERNDALE, WA 98248-2138

Mortgage

Document Number	0000002221,
Date	Apr 27, 2026
Instrument	2026042221

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 5946 Ranch Loop was $1,381.

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	$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.

Flood

FEMA maps place 5946 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

Wildfire risk around 5946 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 93% of the US · lower than 95% 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.

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 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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