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5643 Old Settler Drive, Ferndale, WA 98248

Ferndale, WA 98248 · Ferndale
5 bd2.5 ba2,539 sqft0.18 ac lotBuilt 2005House
$669,000 $263 / sqft · Cumulative Days Active: 35 Estimate your monthly payment ↓
House, Ferndale Listing by Realogics Sotheby's Int'l Rlty 1 / 31
Price / sqft$263
Lot0.18 acres
Year built2005
TypeHouse
HOA$275/mo
Cumulative Days Active35

About this home

Original owner, now on the market. This beautifully maintained 5-bedroom, 2.5-bath home offers approximately 2,539 square feet in Ferndale's sought-after Pioneer Meadows neighborhood. From the moment you step inside, an elegant staircase, vaulted ceilings, and rich wood floors set a warm and inviting tone that carries throughout the main level. The floor plan is designed for how people actually live: two distinct living areas give room to spread out, while a ground-level bedroom or office adds flexibility for guests or remote work. At the heart of the home, a spacious kitchen is built around a large island — a natural gathering point for both everyday meals and entertaining. Upstairs, the primary suite offers a private, comfortable retreat away from the main living spaces, with the remaining bedrooms offering flexibility for guests or additional workspace. Outdoor living is just as thoughtfully addressed. A new deck and pergola gathering area create defined space for relaxing or hosting, while the fully fenced, generously sized backyard offers room to garden, play, or simply enjoy some privacy. An attached two-car garage adds everyday convenience, and residents also enjoy access to the private neighborhood park. Ideally located east of I-5, the home is just minutes from historic downtown Ferndale and the shops, dining, and waterfront of Bellingham — offering the best of small-town charm with easy access to city amenities.

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

Price drop
Listed Sep 17, 2026MLS# 2582699

Facts & features

5Beds
2.5Baths
2,539 sqftLiving area
$263Price / sqft
2005Year built
0.18 acLot
Interior
Bedrooms5
Bathrooms2.5
Living area2,539 sqft
StoriesTwo
FlooringCeramic Tile, Hardwood, Carpet
AppliancesDishwasher, Refrigerator, Stove(s)/Range(s)
Building
TypeHouse
Year built2005
RoofComposition
FoundationPoured Concrete
Lot & exterior
Lot size0.18 acres (7,841 sqft)
ViewTerritorial
WaterfrontNo
Parking
ParkingDriveway, Attached Garage
Utilities
HeatingNatural Gas
SewerSewer Connected
WaterPublic
HOA & taxes
HOA dues$275 / mo
Property tax (2025)$4,972 / yr
Interior features
Bath Off PrimaryCeiling Fan(s)Dining RoomFireplacePantryVaulted Ceiling(s)Walk-In Closet(s)
Exterior & lot
Cement Planked

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$4,18230-year fixed · 6.5%
P&I $3,383Taxes $414Insurance $110HOA $275
Plus ~$20,070 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 Sep 17, 2026Listed for sale $689,000

Tax history

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

Schools

Ferndale School District
ElementaryBuyer To Verify
MiddleBuyer To Verify
HighBuyer To Verify
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 Bellingham14 min
WWU15 min
St. Joseph Hospital13 min
Peace Arch border22 min

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

Listing details

StatusActive
MLS #2582699
ListedSep 17, 2026
List price$669,000
Cumulative Days Active35
Property typeHouse
Listing brokerageRealogics Sotheby's Int'l Rlty
SourceNWMLS as distributed by MLS GRID
Listing courtesy of Realogics Sotheby's Int'l Rlty. Based on information submitted to the MLS GRID as of Oct 23, 2026, 12:55 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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