PendingPrice dropWaterfront

4045 Saltspring Drive, Ferndale, WA 98248

Ferndale, WA 98248 · Ferndale
3 bd1.75 ba1,700 sqft0.33 ac lotBuilt 1987House
$750,000 $441 / sqft · Cumulative Days Active: 68 Estimate your monthly payment ↓
Craftsman, Ferndale Listing by Muljat Group 1 / 40
Price / sqft$441
Lot0.33 acres
Year built1987
TypeHouse
HOA$582/mo
Cumulative Days Active68

About this home

Experience the best of Sandy Point canal-front living in this 3-bedroom, 1.75-bath home offering approximately 1,700 square feet and direct access to the water. The bright, open kitchen creates an inviting gathering space and flows easily into the living area, where a sliding glass door opens directly to the canal-side patio. The outdoor space offers a wonderfully private feel—perfect for relaxing, entertaining, or watching the activity on the canal. The primary bedroom features peaceful water views, while an additional bedroom offers its own private deck. A main-floor bedroom includes a custom Murphy bed, providing flexible space for guests, a home office, or everyday living. Outside, you’ll find a rare concrete bulkhead and private 40-foot dock, ideal for boating, fishing, kayaking, and crabbing. Sandy Point provides boaters with exceptional access to Matia, Sucia, and the San Juan Islands, making it easy to head out for a day of island exploring, fishing, or cruising. Additional features include an attached garage with a convenient workshop area, generous off-street parking, and a detached storage shed. Community amenities include a 9-hole golf course, swimming pool, pickleball courts, clubhouses, marina, and boat launch. A special opportunity for year-round canal-front living or a memorable coastal getaway.

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

Price dropWaterfront
Listed Jul 30, 2026MLS# 2561628

Facts & features

3Beds
1.75Baths
1,700 sqftLiving area
$441Price / sqft
1987Year built
0.33 acLot
Interior
Bedrooms3
Bathrooms1.75
Living area1,700 sqft
StoriesOne and One Half
FlooringLaminate, Vinyl Plank, Carpet
AppliancesDishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove(s)/Range(s), Washer
Building
TypeHouse
StyleCraftsman
Year built1987
RoofComposition
FoundationPoured Concrete
Lot & exterior
Lot size0.33 acres (14,375 sqft)
ViewBay, Canal, Islands, Sound, Strait
WaterfrontCanal Front, Saltwater, Sound, Strait
Parking
ParkingAttached Garage, RV Parking
Utilities
HeatingPropane
SewerSewer Connected
WaterPublic
HOA & taxes
HOA dues$582 / mo
Property tax (2026)$6,353 / yr
Interior features
Ceiling Fan(s)Dbl Pane/Storm WindowFireplaceHot Tub/SpaWater HeaterWired for Generator
Exterior & lot
Wood

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$5,01430-year fixed · 6.5%
P&I $3,792Taxes $529Insurance $110HOA $582
Plus ~$22,500 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 Jul 30, 2026Listed for sale $825,000

Tax history

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

Schools

Ferndale School District
ElementaryEagleridge Elem
MiddleHorizon Mid
HighFerndale High
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
WWU18 min
St. Joseph Hospital18 min
Peace Arch border24 min

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

Listing details

StatusPending
MLS #2561628
ListedJul 30, 2026
List price$750,000
Cumulative Days Active68
Property typeHouse
StyleCraftsman
Listing brokerageMuljat Group
SourceNWMLS as distributed by MLS GRID
Listing courtesy of Muljat Group. Based on information submitted to the MLS GRID as of Oct 23, 2026, 12:49 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.
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