6580 Olson Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 6580 Olson Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,894 sqft · built 2003
Lot Size	4.8 acres (209,088 sqft)
Owner	Individual Name on Record
Last Sale	$1,275,000 (May 2022)
Tax Bill	$10,219 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390112-024112-0000`

Property Details

APN / Parcel Number

Primary APN	`390112-024112-0000`
Alternative APNs	`526923` `591028` `86667`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,894 sqft Living Area
Gross Area	4,923 sqft
1st Floor Area	2,475 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	209,088 sqft (4.8 acres)
Garage Type	Attached
Garage Area	1,029 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	400 sqft
Deck Area	601 sqft
Storage Building	1,200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	86667
Street Address	6580 OLSON RD
City	FERNDALE
State	WA
Zip	98248-9635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	5 ACRE SQ TR IN NW COR OF SW SW-SUBJ TO WATER LI ESMT REC IN VOL 361-D-359-LESS RD
Legal Range	01
Legal Township	39
Legal Section	12
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2041
Census Tract	10504

Owner

Source: Whatcom County records, as of September 25, 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
Mailing Address	6580 OLSON RD, FERNDALE, WA 98248-9635
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
May 2, 2022	Warranty Deed, Transfer NOT AVAILABLE, WHATCOM LAND TITLE COMPANY I
Nov 13, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2022 · Amount on Record
Deed Sale	May 2, 2022 · Amount on Record
Prior Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	202213
Prior Transfer Date	Dec 24, 2015
Prior Transfer Doc	0001203251
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	6580 OLSON RD, FERNDALE, WA 98248-9635
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000601239
Date	Jun 13, 2022
Instrument	2022-0601239

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Margin	3
Max Rate	13.3%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 2, 2022
Property Address	6580 OLSON RD, FERNDALE, WA 98248-9635
Document Number	0000500013
Instrument Date	Apr 20, 2022
Instrument	2022-0500013
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE COMPANY I

Transaction

Amount	Amount Recorded
Tax	$21,800.00
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	6580 OLSON RD, FERNDALE, WA 98248-9635

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 13, 2020
Property Address	6580 OLSON RD, FERNDALE, WA 98248-9635
Document Number	2201102429
Instrument Date	Nov 6, 2020
Instrument	1102429
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,769.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6580 OLSON RD FERNDALE WA 982489635, FERNDALE, WA 98248-9635

Mortgage

Document Number	2201102430
Date	Nov 13, 2020
Instrument	1102430

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,219.00 (+41.3%)	$1,309,035 (+22.78%) Land $340,183 Building $968,852	$1,309,035 (+22.78%) Land $340,183 Building $968,852
2022		$1,066,133 Land $301,934 Building $764,199	$1,066,133 Land $301,934 Building $764,199
2021	$7,232.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALDERGROVE WATER ASSOC. private · serves 120 people · EPA ID WA5301200
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 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

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

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