Waterfront

4162 Saltspring Drive, Ferndale, WA 98248

Ferndale, WA 98248 · Ferndale
3 bd2 ba2,000 sqft0.23 ac lotBuilt 1989House
$1,250,000 $625 / sqft · Cumulative Days Active: 28 Estimate your monthly payment ↓
Contemporary, Ferndale Listing by MJB Real Estate Group 1 / 39
Price / sqft$625
Lot0.23 acres
Year built1989
TypeHouse
HOA$40/mo
Cumulative Days Active28

About this home

Most homes make you choose between waterfront and mountain views. Here, you get both! Welcome to 4162 Saltspring Drive, where sweeping views across Lummi Bay to Mt. Baker provide the backdrop to a home thoughtfully updated inside and out. Soaring ceilings and walls of windows fill the main living space with natural light while keeping the view front and center. The updated kitchen flows seamlessly into the living and dining spaces, while just outside, the new covered deck might become your favorite “room” in the house. Step into the backyard, complete with low-maintenance turf and a firepit, grab the paddleboard or kayak, and within seconds you’re on the water. Extensive improvements include new siding, flooring, whole-house generator, heat pump, updated kitchen and bathrooms, front awning, sump pump, metal roof and more. All of this in the Sandy Point community, with golf, marina and other community amenities nearby. The work has been done. The waterfront lifestyle is waiting. All that’s missing is you!

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

Waterfront
Listed Sep 24, 2026MLS# 2586734

Facts & features

3Beds
2Baths
2,000 sqftLiving area
$625Price / sqft
1989Year built
0.23 acLot
Interior
Bedrooms3
Bathrooms2
Living area2,000 sqft
StoriesTwo
FlooringLaminate, Carpet
AppliancesDishwasher, Dryer, Microwave, Refrigerator, Stove(s)/Range(s), Washer
Building
TypeHouse
StyleContemporary
Year built1989
RoofMetal
FoundationPoured Concrete
Lot & exterior
Lot size0.23 acres (9,801 sqft)
ViewBay, Mountains, Territorial
WaterfrontLow Bank, Saltwater
Parking
ParkingDriveway, Attached Garage
Utilities
HeatingElectric, Propane
SewerSewer Connected
WaterCommunity
HOA & taxes
HOA dues$40 / mo
Property tax (2026)$7,439 / yr
Interior features
Bath Off PrimaryCeiling Fan(s)Dining RoomFireplaceWater HeaterWired for Generator
Exterior & lot
Cement Planked

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$7,09130-year fixed · 6.5%
P&I $6,321Taxes $620Insurance $110HOA $40
Plus ~$37,500 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 Sep 24, 2026Listed for sale $1,250,000

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
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 Hospital19 min
Peace Arch border23 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: $625
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 95% 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 #2586734
ListedSep 24, 2026
List price$1,250,000
Cumulative Days Active28
Property typeHouse
StyleContemporary
Listing brokerageMJB Real Estate Group
SourceNWMLS as distributed by MLS GRID
Listing courtesy of MJB Real Estate Group. Based on information submitted to the MLS GRID as of Oct 23, 2026, 1:54 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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