Whatcom County property record for 6096 Elder Rd, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1981 |
| Lot Size | 17.2 acres (753,152 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $400,000 (Aug 2014) |
| Tax Bill | $6,027 (2025) |
| Deeds & Mortgages | Oct 2020 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 514132 |
| Primary APN | 514132 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| 1st Floor Area | 1,478 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 753,152 sqft (17.2 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 118 sqft |
| Storage Building | 1,293 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 514132 |
|---|---|
| Street Address | 6096 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-9648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | LOT 2 GEGENHUBER CLUSTER SHORT PLAT AS REC BOOK 29 SHORT PLATS PG 82 |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 23 |
| Legal Subdivision | GEGENHUBER CLUSTER SHORT PLAT |
| Legal Lot Number | 2 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 10503 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 6096 ELDER RD, FERNDALE, WA 98248-9648 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 5, 2020 | Deed of Trust, Mortgage · Line of Credit UMPQUA BK |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2014 · Amount on Record |
| Deed Sale | Aug 29, 2014 · Amount on Record |
| Deed Document Number | 2140802904 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 6096 ELDER RD, FERNDALE, WA 98248-9648 |
| Document Number | 2201001133 |
| Instrument Date | Oct 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Address | 6096 ELDER RD FERNDALE WA 982489648, FERNDALE, WA 98248-9648 |
| Document Number | 2201001133 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 1001133 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | BLAINE, WA 98230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 6096 ELDER RD, FERNDALE, WA 98248-9648 |
| Document Number | 2200704284 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Address | 6096 ELDER RD FERNDALE WA 982489648, FERNDALE, WA 98248-9648 |
| Document Number | 2200704284 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 704284 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | VANCOUVER, WA 98660 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2050 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,027.00 (+25.59%) Additional exemption filed | $773,920 (+9.27%) Land $453,250 Building $320,670 | $773,920 (+9.27%) Land $453,250 Building $320,670 |
| 2022 | $708,233 Land $387,251 Building $320,982 | $708,233 Land $387,251 Building $320,982 | |
| 2021 | $4,799.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
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