7075 Ham Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 7075 Ham Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,950 sqft · built 2017
Lot Size	4.67 acres (203,861 sqft)
Owner	2 Individual Names on File
Last Sale	$599,000 (Mar 2017)
Tax Bill	$8,250 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Mar 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`539811`

Property Details

APN / Parcel Number

Primary APN	`539811`
Alternative APNs	`390104 501220 0000` `85889`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,950 sqft Living Area
1st Floor Area	2,950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	203,861 sqft (4.67 acres)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	187 sqft
Patio Area	320 sqft
Storage Building	1,200 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	539811
Street Address	7075 HAM RD
City	FERNDALE
State	WA
Zip	98248-8799
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 1 GARY LONG SHORT PLAT AS REC AF 1981102924
Legal Range	01
Legal Township	39
Legal Section	04
Legal Subdivision	LONG SHORT PLAT
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	BLAINE
Census Block Group	1
Census Block	1029
Census Tract	10407

Owner

7075 Ham Rd is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	7075 HAM RD, FERNDALE, WA 98248-8799
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
Dec 2, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Mar 18, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Mar 22, 2017	Warranty Deed, Subdivision Related Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2017 · Amount on File
Deed Sale	Mar 22, 2017 · Amount on File
Prior Sale	Jan 6, 2016 · Amount on File
Deed Document Number	2017-0302404
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	7075 HAM RD, FERNDALE, WA 98248-8799
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7075 HAM RD, FERNDALE, WA 98248-8799

Mortgage

Document Number	0001200182
Date	Dec 2, 2022
Instrument	2022-1200182

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	7075 HAM RD, FERNDALE, WA 98248-8799
Document Number	2200303288
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7075 HAM RD FERNDALE WA 982488799, FERNDALE, WA 98248-8799

Mortgage

Document Number	2200303288
Date	Mar 27, 2020
Instrument	303288

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2050

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	7075 HAM RD, FERNDALE, WA 98248-8799
Document Number	2200202486
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	GUARDIAN NW TITLE COMPANY, GUARDIAN NW TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7075 HAM RD FERNDALE WA 982488799, FERNDALE, WA 98248-8799

Mortgage

Document Number	2200202486
Date	Feb 25, 2020
Instrument	202486

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	Feb 24, 2050

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 22, 2017
Property Address	7075 HAM RD, FERNDALE, WA 98248-8799
Document Number	2170302404
Instrument Date	Mar 6, 2017
Instrument	302404
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 17, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,667.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7075 HAM RD FERNDALE WA 982488799, FERNDALE, WA 98248-8799

Mortgage

Document Number	2170302405
Date	Mar 22, 2017
Instrument	302405

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 7075 Ham Rd was $8,250.

Source: Whatcom County assessment roll, as of May 31, 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	$8,250.00	$1,059,258 Land $292,118 Building $767,140	$1,059,258 Land $292,118 Building $767,140
2022		$882,212 Land $252,000 Building $630,212	$882,212 Land $252,000 Building $630,212
2021	$6,594.00

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

Flood

FEMA maps place 7075 Ham Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 7075 Ham 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.

Drinking Water

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

Water System	PLEASANT VALLEY WATER SYSTEM private · serves 73 people · EPA ID WA5367900
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jul 2017
Monitoring and Reporting	2 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)
Starlink Satellite	280 / 30
Pogozone powered by Neubeam Fixed Wireless · Fiber in parts of the area	75 / 20

May also be available: AT&T, Verizon.

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