Waterfront

4431 Saltspring Drive, Ferndale, WA 98248

Ferndale, WA 98248 · Ferndale
3 bd2.25 ba1,930 sqft0.39 ac lotBuilt 1990House
$849,000 $440 / sqft · Cumulative Days Active: 215 Estimate your monthly payment ↓
House, Ferndale Listing by eXp Realty 1 / 18
Price / sqft$440
Lot0.39 acres
Year built1990
TypeHouse
HOA$42/mo
Cumulative Days Active215

About this home

Welcome to your own waterfront retreat on beautiful Agate Lake with stunning views of the Salish Sea just beyond. Enjoy the best of both worlds with peaceful lakefront living, western-facing saltwater views, private beach access, and your own private dock—perfect for kayaking, paddleboarding, fishing, or simply unwinding while taking in spectacular sunsets.This beautifully remodeled 3-bedroom, 2.5-bath home offers just under 2,000 sq. ft. of thoughtfully designed living space filled with natural light from expansive windows. The chef's kitchen features generous quartz countertops, stainless steel appliances, modern finishes, abundant storage, and an inviting layout ideal for entertaining. Wake each morning in the tranquil primary suite overlooking the lake with views stretching toward the water beyond.A rare highlight is the spacious double lot, providing exceptional outdoor space for entertaining, recreation, gardening, or added privacy. The additional lot may offer future development or lot separation potential; buyer to verify.Enjoy resort-style community amenities including a golf course, swimming pool, clubhouse, marina, and more. Whether you're looking for a year-round home or the perfect Pacific Northwest getaway, this is a rare opportunity to own a truly special waterfront property.

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

Waterfront
Listed Jul 31, 2026MLS# 2561748

Facts & features

3Beds
2.25Baths
1,930 sqftLiving area
$440Price / sqft
1990Year built
0.39 acLot
Interior
Bedrooms3
Bathrooms2.25
Living area1,930 sqft
StoriesTwo
FlooringLaminate, Carpet
AppliancesDishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove(s)/Range(s), Washer
Building
TypeHouse
Year built1990
RoofComposition
FoundationPoured Concrete
Lot & exterior
Lot size0.39 acres (16,988 sqft)
ViewLake, Mountains, Ocean, Sound
WaterfrontLake
Parking
ParkingDriveway, Attached Garage
Utilities
HeatingElectric, Propane
SewerSewer Connected
WaterCommunity
HOA & taxes
HOA dues$42 / mo
Property tax (2025)$5,372 / yr
Interior features
Bath Off PrimaryCeiling Fan(s)Dbl Pane/Storm WindowDining RoomFireplacePantrySkylight(s)Vaulted Ceiling(s)Water Heater
Exterior & lot
Wood

Monthly payment

Full calculator →

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$4,89330-year fixed · 6.5%
P&I $4,293Taxes $448Insurance $110HOA $42
Plus ~$25,470 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 31, 2026Listed for sale $849,000

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
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: $440
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 38% above the median of current Ferndale listings. Irena can pull recent closed sales on this street before you write an offer.

Listing details

StatusActive
MLS #2561748
ListedJul 31, 2026
List price$849,000
Cumulative Days Active215
Property typeHouse
Listing brokerageeXp Realty
SourceNWMLS as distributed by MLS GRID
Listing courtesy of eXp Realty. 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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