6228 Cascade Dr, Ferndale, WA 98248 Property Records

Whatcom County property record for 6228 Cascade Dr, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,632 sqft · built 1973
Lot Size	0.207 acres (9,043 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Oct 2025)
Tax Bill	$3,910 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`559577`

Property Details

APN / Parcel Number

Primary APN	`559577`
Alternative APNs	`390218 334171 0000` `93293` `81451`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	1,008 sqft
2nd Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,043 sqft (0.207 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	81451
Street Address	6228 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 2 BLK 2
Legal Range	02
Legal Township	39
Legal Section	18
Legal Subdivision	HORIZON VIEW
Legal Block	2
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	10505

Owner

6228 Cascade Dr is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	6228 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
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 28, 2025	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Mar 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Mar 25, 2019 · Amount on File
Deed Document Number	2025-1002271
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	6228 CASCADE DR, FERNDALE, WA 98248-9642
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000305419
Date	Mar 29, 2021
Instrument	2021-0305419

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 28, 2025
Property Address	6228 CASCADE DR, FERNDALE, WA 98248-9642
Document Number	0001002271
Map Reference	AF 1123910
Instrument Date	Oct 17, 2025
Instrument	2025-1002271
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE KNIG

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,850.00
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	6228 CASCADE DR, FERNDALE, WA 98248-9642

Mortgage

Document Number	0001002272
Date	Oct 28, 2025
Instrument	2025-1002272

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	6228 CASCADE DR, FERNDALE, WA 98248-9642
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210305419
Date	Mar 29, 2021
Instrument	2021-0305419

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	6228 CASCADE DR, FERNDALE, WA 98248-9642
Document Number	2191004270
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6228 CASCADE DR FERNDALE WA 982489642, FERNDALE, WA 98248-9642

Mortgage

Document Number	2191004270
Date	Oct 31, 2019
Instrument	1004270

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 25, 2019
Property Address	6228 CASCADE DR, FERNDALE, WA 98248-9642
Document Number	2190302199
Instrument Date	Mar 11, 2019
Instrument	302199
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,678.22
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6228 CASCADE DR FERNDALE WA 982489642, FERNDALE, WA 98248-9642

Mortgage

Document Number	2190302200
Date	Mar 25, 2019
Instrument	302200

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6228 Cascade Dr was $3,910, up 1.1% from the year before.

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	$3,910.00 (+1.14%)	$522,005 (+1.15%) Land $224,070 Building $297,935	$522,005 (+1.15%) Land $224,070 Building $297,935
2024	$3,866.00	$516,051 Land $231,000 Building $285,051	$516,051 Land $231,000 Building $285,051
2022		$399,793 Land $131,082 Building $268,711	$399,793 Land $131,082 Building $268,711
2021	$2,979.00

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

Flood

FEMA maps place 6228 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 6228 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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