6198 Cascade Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 6198 Cascade Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,062 sqft · built 1975
Lot Size	0.257 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Sep 2019)
Tax Bill	$4,615 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`565083`

Property Details

APN / Parcel Number

Primary APN	`565083`
Alternative APNs	`390218 328127 0000` `93279`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
1st Floor Area	650 sqft
2nd Floor Area	1,412 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Garage Type	Built-in
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	18 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	565083
Street Address	6198 CASCADE DR
City	FERNDALE
State	WA
Zip	98248-9642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS8.5
Legal Description	HORIZON VIEW LOT 15 BLK 2
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	HORIZON VIEW
Legal Block	2
Legal Lot Number	15
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	10505

Owner

6198 Cascade Dr is owned and occupied by two individuals who bought it in September 2019.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6198 CASCADE DR, FERNDALE, WA 98248-9642
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 26, 2019	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BK
Mar 1, 2017	Warranty Deed, Transfer · Conventional with PMI ENVOY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on File
Deed Sale	Sep 26, 2019 · Amount on File
Prior Sale	Mar 1, 2017 · Amount on File
Deed Document Number	2019-0903357
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 26, 2019
Property Address	6198 CASCADE DR, FERNDALE, WA 98248-9642
Document Number	2190903357
Instrument Date	Sep 17, 2019
Instrument	903357
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,591.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6198 CASCADE DR FERNDALE WA 982489642, FERNDALE, WA 98248-9642

Mortgage

Document Number	2190903358
Date	Sep 26, 2019
Instrument	903358

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 1, 2017
Property Address	6198 CASCADE DR, FERNDALE, WA 98248-9642
Document Number	2170300114
Instrument Date	Feb 22, 2017
Instrument	300114
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,140.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6198 CASCADE DR FERNDALE WA 982489642, FERNDALE, WA 98248-9642

Mortgage

Document Number	2170300115
Date	Mar 1, 2017
Instrument	300115

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77056

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6198 Cascade Dr was $4,615.

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	$4,615.00	$616,091 Land $224,070 Building $392,021	$616,091 Land $224,070 Building $392,021
2022		$498,170 Land $131,082 Building $367,088	$498,170 Land $131,082 Building $367,088
2021	$3,712.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6198 Cascade Dr 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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 6198 Cascade Dr 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 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Ziply Fiber.

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