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4123 Stuart Circle, Ferndale, WA 98248

Ferndale, WA 98248 · Ferndale
4 bd2.25 ba2,020 sqft0.18 ac lotBuilt 2021House
$580,000 $287 / sqft · Cumulative Days Active: 174 Estimate your monthly payment ↓
House, Ferndale Listing by HomeSmart One Realty 1 / 35
Price / sqft$287
Lot0.18 acres
Year built2021
TypeHouse
HOA$40/mo
Cumulative Days Active174

About this home

Enjoy relaxed coastal living in this beautifully maintained 4-bedroom home in the desirable Sandy Point community, just a short stroll from the marina and waterfront. Designed for comfort and convenience, the home offers true main-level living with a spacious primary suite, dedicated office, laundry room, kitchen, and main living areas all on the first floor. The bright, open-concept layout makes everyday living easy while offering plenty of space for entertaining. The well-appointed kitchen features quartz countertops, soft-close cabinetry, a large island, and an effortless flow into the dining and living areas. Upstairs, a generous bonus room with its own closet provides flexible additional space for visiting guests, a media room, hobby room, or whatever best fits your lifestyle. Step outside to the covered patio and fully fenced backyard—a comfortable, private setting with room for gardening, outdoor dining, pets, or simply relaxing and enjoying the coastal air. Sandy Point offers a lifestyle that’s hard to match, with the beach, marina, golf course, and abundant outdoor recreation all close to home. Whether you’re looking for a comfortable year-round residence or simply a place to enjoy a more relaxed pace, this home brings together space, convenience, and the best of coastal living.

NWMLS logoListing courtesy of the Northwest Multiple Listing Service (NWMLS).

Price drop
Listed May 1, 2026MLS# 2515888

Facts & features

4Beds
2.25Baths
2,020 sqftLiving area
$287Price / sqft
2021Year built
0.18 acLot
Interior
Bedrooms4
Bathrooms2.25
Living area2,020 sqft
StoriesTwo
FlooringVinyl Plank
AppliancesDishwasher, Microwave, Refrigerator, Stove(s)/Range(s)
Building
TypeHouse
Year built2021
RoofComposition
FoundationPoured Concrete
Lot & exterior
Lot size0.18 acres (7,841 sqft)
ViewBay, Territorial
WaterfrontNo
Parking
ParkingDriveway, Attached Garage
Utilities
HeatingElectric
SewerSewer Connected
WaterCommunity
HOA & taxes
HOA dues$40 / mo
Property tax (2025)$4,221 / yr
Interior features
Exterior & lot
Cement PlankedWood Products

Monthly payment

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Payment estimate calculated by irenakolbert.com from the assumptions below — not part of the NWMLS listing data. A lender will confirm actual figures.

Loan term
Down payment$20%
Interest rate%
Est. total / month$3,43530-year fixed · 6.5%
P&I $2,933Taxes $352Insurance $110HOA $40
Plus ~$17,400 closing costs (est. 3%), paid once at closing. Get pre-approval guidance →
Estimate only, using the down payment, interest rate, and loan term set above. The APR, which includes loan costs, may be higher than the rate. Includes estimated property tax (~0.95%), insurance (~$110/mo), and any HOA dues. Not an offer of credit — a lender will confirm actual terms.

Price history

DateEventPrice May 1, 2026Listed for sale $639,000

Tax history

YearAssessed valueProperty tax
Source: Whatcom County Assessor. Assessed value is not a market value.

Schools

School assignments come from the listing data provided by NWMLS. They're based on address and can change — verify with the district before relying on them.
⬤ Street view ↗
Downtown Bellingham18 min
WWU19 min
St. Joseph Hospital19 min
Peace Arch border22 min

Drive times are straight-line estimates calculated by irenakolbert.com — not part of the NWMLS listing data.

Median list price$625k171 active listings
Cumulative Days Active87median, active listings
List price per sqft$320this home: $287
Homes for sale171in Ferndale

Area figures compiled by irenakolbert.com from current active NWMLS listings — not part of this listing's data.

This home's list price per square foot is about 10% below the median of current Ferndale listings. Irena can pull recent closed sales on this street before you write an offer.

Listing details

StatusActive
MLS #2515888
ListedMay 1, 2026
List price$580,000
Cumulative Days Active174
Property typeHouse
Listing brokerageHomeSmart One Realty
SourceNWMLS as distributed by MLS GRID
Listing courtesy of HomeSmart One Realty. Based on information submitted to the MLS GRID as of Oct 23, 2026, 12:44 PM (date and time MLS GRID Data was obtained). All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website: listings located outside Whatcom and Skagit counties are not displayed.
$580,000Tour this home