5990 Elder Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5990 Elder Rd, Ferndale, WA 98248

Property Summary

Property Type	Farm - Dairy
Details	4 bd · 4 ba · 3,181 sqft · built 2008
Lot Size	4.82 acres (210,395 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,918 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41761`

Property Details

APN / Parcel Number

Primary APN	`41761`
Alternative APNs	`390123 070385 0000` `87823`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	19 Plumbing Fixtures
Stories	2 Stories
Building Area	3,181 sqft Total Area
1st Floor Area	2,049 sqft
2nd Floor Area	1,132 sqft
Basement Area	2,049 sqft
Finished Basement	2,049 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	210,395 sqft (4.82 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	275 sqft
Deck Area	1,101 sqft
Storage Building	224 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	41761
Street Address	5990 ELDER RD
City	FERNDALE
State	WA
Zip	98248-9648
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Dairy
Local Zoning Code	R5A
Legal Description	THAT PTN OF SW NW DAF-BEG AT NW COR OF SD SUBDIV-TH S 89 DEG 24'28\ E ALG N LI OF SD SUBDIV 330 FT TO POB-TH S 00 DEG 46'28\
Legal Range	01
Legal Township	39
Legal Section	23
Legal Subdivision	DAF-BEG AT NW COR OF SD SUBDIV
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2006
Census Tract	10503

Owner

Source: Whatcom County records, as of March 16, 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	5990 ELDER RD, FERNDALE, WA 98248-9648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit WASHINGTON FEDERAL BANK
Nov 5, 2020	Deed of Trust, Mortgage · Line of Credit WASHINGTON FED'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5990 ELDER RD, FERNDALE, WA 98248-9648
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000601506
Date	Jun 14, 2022
Instrument	2022-0601506

Lender

Name	WASHINGTON FEDERAL BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5990 ELDER RD, FERNDALE, WA 98248-9648
Document Number	2201102086
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5990 ELDER RD FERNDALE WA 982489648, FERNDALE, WA 98248-9648

Mortgage

Document Number	2201102086
Date	Nov 12, 2020
Instrument	1102086

Lender

Name	WASHINGTON FED'L BK
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,918.00 (+40.88%)	$1,145,108 (+22.32%) Land $4,643 Building $1,140,465	$1,481,005 (+42.92%) Land $340,540 Building $1,140,465
2022		$936,136 Land $23,719 Building $912,417	$1,036,282 Land $123,865 Building $912,417
2021	$6,330.00

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pogozone powered by Neubeam Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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