7176 Ham Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 7176 Ham Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,010 sqft · built 1980
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$895,000 (Jun 2026)
Tax Bill	$7,639 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`390103-100373-0000`

Property Details

APN / Parcel Number

Primary APN	`390103-100373-0000`
Alternative APNs	`517271` `587488` `85670`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,010 sqft Living Area
Gross Area	4,767 sqft
1st Floor Area	1,190 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2005
Exterior Material	Plywood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	2,400 sqft
Parking Spaces	11 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	357 sqft
Deck Area	685 sqft
Patio Area	2,148 sqft
Storage Building	1,440 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	85670
Street Address	7176 HAM RD
City	FERNDALE
State	WA
Zip	98248-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	NE SW NW
Legal Range	01
Legal Township	39
Legal Section	03
Jurisdiction	WHATCOM WA
Township / Civil Division	BLAINE
Census Block Group	1
Census Block	1029
Census Tract	10407

Owner

Source: Whatcom County records, as of October 19, 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	PO BOX 5652, BELLINGHAM, WA 98227-5652
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage BFSPE LLC
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Sep 9, 2020	Warranty Deed, Transfer CHICAGO TITLE BELLINGHAM
Sep 9, 2020	Quit Claim Deed, Transfer CHICAGO TITLE BELLINGHAM
May 29, 2019	Deed of Trust, Mortgage · Line of Credit PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Dec 16, 2021 · Amount on Record
Deed Document Number	20261381
Prior Transfer Date	Sep 3, 2020
Prior Transfer Doc	0000901309
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 16, 2026
Property Address	7176 HAM RD, FERNDALE, WA 98248-9622
Document Number	0000001381
Instrument Date	Jun 12, 2026
Instrument	20261381
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$1,514,091.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001382,
Instrument	2026061382

Lender

Name	BFSPE LLC

Agreement

Type	Stand-Alone First Mortgage

Interest

Rate	6.3%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 16, 2021
Property Address	7176 HAM RD, FERNDALE, WA 98248-9622
Document Number	0001202615
Instrument Date	Dec 3, 2021
Instrument	2021-1202615
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,481.00
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	7176 HAM RD, FERNDALE, WA 98248-9622

Mortgage

Document Number	0001202616
Date	Dec 16, 2021
Instrument	2021-1202616

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

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

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 9, 2020
Property Address	7176 HAM RD, FERNDALE, WA 98248-9622
Document Number	2200901308
Instrument Date	Sep 3, 2020
Instrument	901308
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Tax	$13,612.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7176 HAM RD FERNDALE WA 982489622, FERNDALE, WA 98248-9622

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 9, 2020
Property Address	7176 HAM RD, FERNDALE, WA 98248-9622
Document Number	2200901309
Instrument Date	Sep 3, 2020
Instrument	901309
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7176 HAM RD FERNDALE WA 982489622, FERNDALE, WA 98248-9622

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	7176 HAM RD, FERNDALE, WA 98248-9622
Document Number	2190600002
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7176 HAM RD FERNDALE WA 982489622, FERNDALE, WA 98248-9622

Mortgage

Document Number	2190600002
Date	Jun 3, 2019
Instrument	600002

Lender

Name	PEOPLES BK
Type	Bank
Address	LYNDEN, WA 98264

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$7,639.00 (+32.76%)	$1,008,938 (+15.92%) Land $394,128 Building $614,810	$1,008,938 (+15.92%) Land $394,128 Building $614,810
2022		$870,374 Land $340,000 Building $530,374	$870,374 Land $340,000 Building $530,374
2021	$5,754.00

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

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

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	OLD SETTLERS WATER ASSOCIATION private · serves 540 people · EPA ID WA5363350
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	2 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	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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Ham Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures