Waterfront

3962 Saltspring Drive, Ferndale, WA 98248

Ferndale, WA 98248 · Ferndale
3 bd2.5 ba2,436 sqft0.33 ac lotBuilt 1972House
$1,099,000 $451 / sqft · Cumulative Days Active: 44 Estimate your monthly payment ↓
Contemporary, Ferndale Listing by Muljat Group 1 / 40
Price / sqft$451
Lot0.33 acres
Year built1972
TypeHouse
HOA$575/mo
Cumulative Days Active44

About this home

This Sandy Point contemporary is a genuinely comfortable, well-built home. South-facing and set to catch sunrise views over Mt. Baker, the home is filled with natural light throughout its spacious rooms, drawing you out through the sunroom to phenomenal views over the beach and bay out to the Strait of Georgia. A wood-burning fireplace makes the space feel warm and inviting on cooler days. The upper-level primary suite offers a private bath, and a fully finished basement adds valuable additional living space below — flexible for guests, a media room, or a home office. Recent updates include a newly shingled roof and an updated furnace,— the big-ticket items are already handled. The yard is where this property truly sets itself apart: a huge, fully fenced lot with mature fruit trees, sitting on two lots total (buyer to verify) — offering privacy and space now, with the flexibility to divide off a second homesite down the road. It's as much a legacy property as it is a place to live. The neighborhood itself is part of the draw: flat, quiet streets perfect for walking and biking, beachcombing at your doorstep, and abundant wildlife that makes it a real treat for birders. Crabbing is exceptional here too, with canal access right at hand, and the San Juan Islands are just a short boat ride away. Add in Sandy Point's amenities — golf course, boat launch, community pool, and clubhouses — and this is a lifestyle as much as an address.

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

Waterfront
Listed Aug 26, 2026MLS# 2570720

Facts & features

3Beds
2.5Baths
2,436 sqftLiving area
$451Price / sqft
1972Year built
0.33 acLot
Interior
Bedrooms3
Bathrooms2.5
Living area2,436 sqft
StoriesMulti/Split
FlooringBamboo/Cork, Ceramic Tile, Vinyl, Carpet
AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer
Building
TypeHouse
StyleContemporary
Year built1972
RoofComposition
FoundationPoured Concrete
Lot & exterior
Lot size0.33 acres (14,375 sqft)
ViewBay, Islands, Sound
WaterfrontLow Bank, Bayfront, Bulkhead, Sound
Parking
ParkingAttached Garage
Utilities
HeatingElectric, Propane
SewerSewer Connected
WaterCommunity
HOA & taxes
HOA dues$575 / mo
Property tax (2026)$8,351 / yr
Interior features
Bath Off PrimaryDbl Pane/Storm WindowDining RoomFireplaceWater HeaterWet Bar
Exterior & lot
BrickWood

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$6,93830-year fixed · 6.5%
P&I $5,557Taxes $696Insurance $110HOA $575
Plus ~$32,970 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 Aug 26, 2026Listed for sale $1,099,000

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.

Median list price$625k171 active listings
Cumulative Days Active87median, active listings
List price per sqft$320this home: $451
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 41% 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 #2570720
ListedAug 26, 2026
List price$1,099,000
Cumulative Days Active44
Property typeHouse
StyleContemporary
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, 12:51 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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