Whatcom County property record for 6455 Elder Rd, Ferndale, WA 98248
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,522 sqft · built 1999 |
| Lot Size | 4.55 acres (198,198 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,882 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390115-520508-0000 |
| Primary APN | 390115-520508-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,522 sqft Living Area |
| 1st Floor Area | 2,522 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Roof Material | Composition Shingle |
| Lot Area | 198,198 sqft (4.55 acres) |
| Lot Dimensions | 39 ft deep x 64 ft wide |
| Deck Area | 1,952 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 87477 |
|---|---|
| Street Address | 6455 ELDER RD |
| City | FERNDALE |
| State | WA |
| Zip | 98248-8602 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R5A |
| Legal Description | E 330 FT OF N 660 FT OF NE NE 99 WESTERN S#17711068A 64X39 (TE AF 1990601418) |
| Legal Range | 01 |
| Legal Township | 39 |
| Legal Section | 15 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 10504 |
6455 Elder Rd, a mobile home, is owned and occupied by an individual who acquired it in September 2021.
Source: Whatcom County records, as of December 30, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2023 | Deed of Trust, Mortgage · Line of Credit NORTH COAST CU |
| Jan 3, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage GLOBAL EQUITY FINANCE INC |
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLANET HM LNDG |
| Oct 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 7, 2021 |
| Transfer Doc | 0000100196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Document Number | 0000302224 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 2023-0302224 |
| Name | NORTH COAST CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 28, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jan 3, 2022 |
| Property Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Document Number | 0000100196 |
| Instrument Date | Sep 7, 2021 |
| Instrument | 2022-0100196 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Document Number | 0000100197 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 2022-0100197 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Document Number | 2201201111 |
| Instrument Date | Dec 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2020 |
| Title Company | MERIDIAN NATIONAL TITLE, MERIDIAN NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 6455 ELDER RD FERNDALE WA 982488602, FERNDALE, WA 98248-8602 |
| Document Number | 2201201111 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 1201111 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 6, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 6455 ELDER RD, FERNDALE, WA 98248-8602 |
| Document Number | 2191004365 |
| Instrument Date | Oct 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2019 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 6455 ELDER RD FERNDALE WA 982488602, FERNDALE, WA 98248-8602 |
| Document Number | 2191004365 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 1004365 |
| Name | AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | BELLEVUE, WA 98004 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2049 |
The 2025 property tax bill for 6455 Elder Rd was $4,882.
Source: Whatcom County assessment roll, as of December 30, 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 | $4,882.00 | $624,343 Land $285,789 Building $338,554 | $624,343 Land $285,789 Building $338,554 |
| 2022 | $543,427 Land $248,750 Building $294,677 | $543,427 Land $248,750 Building $294,677 | |
| 2021 | $4,165.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6455 Elder Rd 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 | 1 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 risk around 6455 Elder Rd is low, with 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 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE TERRILL WATER ASSOC private · serves 125 people · EPA ID WA5344950 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 6 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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