6072 Monument Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 6072 Monument Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,946 sqft · built 2019
Lot Size	0.168 acres (7,331 sqft)
Owner	Individual Name on Record
Last Sale	$684,000 (Dec 2025)
Tax Bill	$5,136 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`561297`

Property Details

APN / Parcel Number

Primary APN	`561297`
Alternative APNs	`390124 243546 0000` `180769`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,946 sqft Living Area
1st Floor Area	1,946 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,331 sqft (0.168 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	561297
Street Address	6072 MONUMENT DR
City	FERNDALE
State	WA
Zip	98248-8854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS10.5
Legal Description	THE MEADOWS PHASE 1 LOT 6
Legal Range	01
Legal Township	39
Legal Section	24
Legal Subdivision	THE MEADOWS PHASE 1
Legal Phase	1
Legal Lot Number	6
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2002
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Dec 12, 2025	Warranty Deed, Transfer · Conventional Mortgage MPH ENTERPRISES LLC
May 24, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UMPQUA BK
Mar 27, 2019	Trustee's Deed, Construction Loan · Construction Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	May 24, 2019 · Amount on Record
Deed Document Number	2025-1201164
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854

Mortgage

Document Number	0000700915
Date	Jul 14, 2023
Instrument	2023-0700915

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 12, 2025
Property Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854
Document Number	0001201164
Map Reference	AF 2016-0603566
Instrument Date	Dec 10, 2025
Instrument	2025-1201164
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	WHATCOM LAND TITLE, WHATCOM LAND TITLE NEW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,235.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854

Mortgage

Document Number	0001201165
Date	Dec 12, 2025
Instrument	2025-1201165

Lender

Name	MPH ENTERPRISES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 24, 2019
Property Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854
Document Number	2190502795
Instrument Date	May 16, 2019
Instrument	502795
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,903.22
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6072 MONUMENT DR FERNDALE WA 982488854, FERNDALE, WA 98248-8854

Mortgage

Document Number	2190502796
Date	May 24, 2019
Instrument	502796

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 27, 2019
Property Address	6072 MONUMENT DR, FERNDALE, WA 98248-8854
Instrument Date	Mar 25, 2019
Instrument	302451
Transaction Type	Construction Loan
Record Updated	Apr 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6240 CHURCH RD FERNDALE WA 982489634, FERNDALE, WA 98248-9634

Mortgage

Document Number	2190302451
Date	Mar 27, 2019
Instrument	302451

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Construction Mortgage
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
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,136.00 (+2.07%)	$684,099 (+2.05%) Land $213,400 Building $470,699	$684,099 (+2.05%) Land $213,400 Building $470,699
2024	$5,032.00 (-9.87%)	$670,343 (-10.18%) Land $220,000 Building $450,343	$670,343 (-10.18%) Land $220,000 Building $450,343
2022		$746,344 Land $146,550 Building $599,794	$746,344 Land $146,550 Building $599,794
2021	$5,583.00

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Pogozone powered by Neubeam, Xfinity.

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