Listed by Keller Williams Western Realty, Bought with Keller Williams Western Realty
$866,000
SOLD JUN 16, 2025

4186 Saltspring Dr Ferndale, WA 98248

3 Beds
2 Baths
1,355 Sq Ft
7,405 Sq Ft Lot

Recently Sold

$639 Per Sq Ft

1% Below List Price

8 Days on Market

Highlights

  • 68 Feet of Waterfront
  • Golf Course Community
  • Sauna
  • Views of a Sound
  • Community Boat Launch
  • Clubhouse

About This Home

As of June 2025

Prime ocean front rambler with incredible bay and Mt Baker views! This home has been lovingly cared for and updated for your convenience - nothing to do but move in and enjoy the beach! Large kitchen w/ lots of storage and counter space faces out to the water, as does the living room w/ vaulted ceiling and gas fireplace. Primary bedroom w/ large walk in closet and full bath, back bedroom leads to sunroom with built in sauna! With a private front courtyard full of blooming native plants, attached 1 car garage with workshop space, shed for gear storage, outdoor shower, and large partially covered deck overlooking Lummi Bay and Mt Baker. Water heater & forced air is an efficient dual system for cost savings. Comes w/ a dock slip at the marina!

Last Agent to Sell the Property

Aaron Bean

Keller Williams Western Realty License #135124 Listed on: 05/09/2025

Keller Williams Western Realty

Co-Listed By

Ben Kinney

Keller Williams Western Realty License #24329

Last Buyer's Agent

Jeramy Vaughn

Keller Williams Western Realty License #25006511

Keller Williams Western Realty

Source: Northwest Multiple Listing Service (NWMLS)

MLS#: 2359494

Northwest Multiple Listing Service (NWMLS)

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,006

Year Built

  • Built in 1985

Lot Details

  • 7,405 Sq Ft Lot
  • 68 Feet of Waterfront
  • Street terminates at a dead end
  • Gated Home
  • Partially Fenced Property
  • Level Lot
  • Property is in good condition

HOA Fees

  • $40 Monthly HOA Fees

Parking

  • 1 Car Attached Garage
  • Driveway
  • Off-Street Parking

Property Views

  • Views of a Sound
  • Bay
  • Mountain
  • Territorial

Home Design

  • Poured Concrete
  • Composition Roof
  • Wood Siding

Interior Spaces

  • 1,355 Sq Ft Home
  • 1-Story Property
  • Ceiling Fan
  • Skylights
  • Gas Fireplace
  • Dining Room
  • Solarium
  • Sauna

Kitchen

  • Stove
  • Dishwasher
  • Disposal

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • Bathroom on Main Level

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Deck
  • Patio
  • Outbuilding

Schools

  • Eagleridge Elementary School
  • Horizon Mid Middle School
  • Ferndale High School

Utilities

  • Forced Air Heating System
  • High Efficiency Heating System
  • Propane
  • Water Heater
  • High Speed Internet

Listing and Financial Details

  • Tax Lot 37
  • Assessor Parcel Number 3801090101420000

Community Details

Overview

  • Sandy Point Subdivision
  • The community has rules related to covenants, conditions, and restrictions

Amenities

  • Clubhouse

Recreation

  • Community Boat Launch
  • Golf Course Community
  • Sport Court
  • Community Playground

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,006

Year Built

Built in 1985

Lot Details

0

HOA Fees

$40 per month

Parking

1

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • StyleCode: 10 - 1 Story
  • Year Built: 1985
  • Inclusions: Dishwasher(s),Dryer(s),Garbage Disposal,Refrigerator(s),Stove(s)/Range(s),Washer(s)
  • MLS Status: Sold
  • Prev Status: Closed
  • Building Name: Sandy Point Shores 2
  • Unit Levels: One
  • New Construction: No
  • CalculatedSquareFootage: 1355
  • EffectiveYearBuiltSource: Public Records
  • SeniorExemption: false
  • SOCComments: 2.5% full price+ 2% for under list price
  • Special Features: VirtualTour
  • Cumulative Days on Market: 27

Interior Features

  • Fireplaces: 1
  • Basement: None
  • Appliances: Dishwasher(s), Disposal, Dryer(s), Refrigerator(s), Stove(s)/Range(s), Washer(s)
  • Full Bathrooms: 1
  • Three Quarter Bathrooms: 1
  • Possible Bedrooms: 3
  • Total Bedrooms: 3
  • Entry Location: Main
  • Fireplace Features: Gas
  • Fireplace: Yes
  • Flooring: Ceramic Tile, Hardwood, Carpet
  • Interior Amenities: Bath Off Primary, Ceiling Fan(s), Dining Room, Fireplace, Sauna, Skylight(s), Solarium/Atrium, Water Heater
  • Living Area: 1355
  • Main Level Bathrooms: 2
  • Main Level Bedrooms: 3
  • Bathrooms: 1.75
  • BathsFullMain: 1
  • FireplacesMain: 1
  • SquareFootageFinished: 1355
  • SquareFootageUnfinished: 0
  • BathsFullGarage: 0
  • BathsFullLower: 0
  • BathsFullUpper: 0
  • BathsHalfGarage: 0
  • BathsHalfLower: 0
  • BathsHalfMain: 0
  • BathsHalfUpper: 0
  • BathsThreeQuarterGarage: 0
  • BathsThreeQuarterLower: 0
  • BathsThreeQuarterMain: 1
  • BathsThreeQuarterUpper: 0
  • BedroomsLower: 0
  • BedroomsUpper: 0
  • AppliancesIncluded: Dishwasher(s),Dryer(s),Garbage Disposal,Refrigerator(s),Stove(s)/Range(s),Washer(s)

Exterior Features

  • Roof: Composition
  • View: Bay, Mountain(s), Sound, Territorial
  • Lot Features: Dead End Street, Paved
  • View: Yes
  • Waterfront Features: Low Bank, Bayfront, Saltwater
  • Waterfront: Yes
  • Construction Type: Wood
  • Exterior Features: Wood
  • Foundation Details: Poured Concrete
  • Property Condition: Good
  • Structure Type: House
  • WaterfrontFootage: 68
  • WaterAccess: Beach Rights

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Covered Parking Spaces: 1
  • Garage Spaces: 1
  • Garage Yn: Yes
  • Open Parking: No
  • Parking Features: Driveway, Attached Garage, Off Street
  • Total Parking Spaces: 1

Utilities

  • Sewer: Sewer Connected
  • Water Source: Public
  • Security: Partially Fenced, Security Gate
  • Cooling: None
  • Cooling Y N: No
  • Heating: Fireplace Insert, Forced Air, High Efficiency (Unspecified)
  • Heating Yn: Yes
  • PowerCompany: PSE
  • SewerCompany: Lummi Sewer
  • WaterCompany: Sandy Point
  • WaterHeaterLocation: In large bedroom closet
  • WaterHeaterType: Combo

Condo/Co-op/Association

  • Community Features: Athletic Court, Boat Launch, CCRs, Club House, Golf, Playground
  • Senior Community: No
  • Association Fee: 480
  • Association Fee Frequency: Annually
  • Association: Yes

Schools

  • Junior High Dist: Ferndale
  • High School: Ferndale High
  • Middle Or Junior School: Horizon Mid

Lot Info

  • Parcel Number: 3801090101420000
  • Topography: Level
  • Land Lease: No
  • Lot Size Acres: 0.17
  • Lot Size Sq Ft: 7405
  • Zoning: RR3
  • Irrigation Water Rights: No
  • ShowMapLink: true
  • SiteFeatures: Deck,Fenced-Partially,Gated Entry,High Speed Internet,Outbuildings,Patio,Propane
  • MLSLotSizeSource: Public record
  • MLSSquareFootageSource: Appraisal
  • LotNumber: 37

Green Features

  • Power Production Type: Electric, Propane

Tax Info

  • Year: 2024
  • Tax Annual Amount: 5006

Multi Family

  • EnergySource: Electric,Propane

MLS Schools

  • Elementary School: Eagleridge Elem

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
May 9, 2025
Closed on
Jun 13, 2025
Sold by
Farrell Robert and Farrell Mark Anders
Bought by
Rogers Kathryn Laurel
Seller's Agent
Aaron Bean
Keller Williams Western Realty
Buyer's Agent
Jeramy Vaughn
Keller Williams Western Realty
List Price
$875,000
Sold Price
$866,000
Premium/Discount to List
-$9,000
-1.03%
Views
13

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-34.93%
Original Mortgage
$623,520
Outstanding Balance
$623,520
Interest Rate
6.76%
Mortgage Type
New Conventional
Estimated Equity
$191,912

Purchase Details

Listed on
Feb 12, 2022
Closed on
Feb 25, 2022
Sold by
Atkins Hannah M
Bought by
Farrell Robert and Farrell Mark
Seller's Agent
Carole Martinson-McFarland
Premier Properties NW
Buyer's Agent
Ramona Green
Windermere Real Estate Whatcom
List Price
$775,000
Sold Price
$765,108
Premium/Discount to List
-$9,892
-1.28%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.86%

Purchase Details

Listed on
Apr 25, 2018
Closed on
May 26, 2018
Sold by
Olberg Darrell W and Olberg Carolyn D
Bought by
Aubert Cynthia M
Seller's Agent
Shari Draper
Windermere Real Estate Whatcom
Buyer's Agent
Carole Martinson-McFarland
Premier Properties NW
List Price
$489,000
Sold Price
$501,000
Premium/Discount to List
$12,000
2.45%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.85%

Purchase Details

Closed on
Sep 16, 2005
Sold by
Nielsen Britt and Craig Fenske D
Bought by
Olberg Darrell W and Olberg Carolyn D

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$200,000
Interest Rate
5.76%
Mortgage Type
Fannie Mae Freddie Mac

Purchase Details

Closed on
Jul 10, 2003
Sold by
Jones Margrete K
Bought by
Nielsen Britt and Fenske Craig

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$175,000
Interest Rate
4.63%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

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Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $866,000 Whatcom Land Title
Warranty Deed $765,108 Chicago Title
Warranty Deed $501,000 Chicago Title Ins
Warranty Deed $440,280 Stewart Title Company
Warranty Deed $201,994 Chicago Title Insurance
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $623,520 New Conventional
Previous Owner $200,000 Fannie Mae Freddie Mac
Previous Owner $175,000 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/16/2025 06/16/25 Sold $866,000 -1.0% $639 / Sq Ft
05/17/2025 05/17/25 Pending -- -- --
05/09/2025 05/09/25 For Sale $875,000 +14.4% $646 / Sq Ft
03/11/2022 03/11/22 Sold $765,108 -1.3% $565 / Sq Ft
02/19/2022 02/19/22 Pending -- -- --
02/12/2022 02/12/22 For Sale $775,000 +54.7% $572 / Sq Ft
06/01/2018 06/01/18 Sold $501,000 +2.5% $383 / Sq Ft
05/03/2018 05/03/18 Pending -- -- --
04/25/2018 04/25/18 For Sale $489,000 -- $374 / Sq Ft
Source: Northwest Multiple Listing Service (NWMLS)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $5,006 $682,347 $369,667 $312,680
2023 $5,006 $712,329 $385,906 $326,423
2022 $4,397 $591,135 $320,242 $270,893
2021 $4,103 $490,062 $283,400 $206,662
2020 $4,364 $413,274 $224,230 $189,044
2019 $3,309 $397,921 $215,900 $182,021
2018 $4,110 $341,335 $185,198 $156,137
2017 $3,813 $324,837 $175,780 $149,057
2016 $3,731 $318,570 $172,380 $146,190
2015 $3,378 $313,324 $170,000 $143,324
2014 -- $285,667 $159,120 $126,547
2013 -- $285,667 $159,120 $126,547
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Northwest Multiple Listing Service (NWMLS)

MLS Number: 2359494

Northwest Multiple Listing Service (NWMLS)

APN: 380109-010142-0000