See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

5295 S Church Road, Ferndale, WA, 98248

2beds
2baths
2,396sqft
$2,180,000
$910price/sqft
$12,435/moest. monthly cost
$497,400/yrincome needed

About This Home

Welcome to a once-in-a lifetime opportunity: 78+ stunning acres in Whatcom County with sweeping Mt. Baker views. This unique property spans two parcels and features a beautiful log home, a 4-bedroom rental, multiple large outbuildings, and the fully permitted Barnstar Events venue inside of a magnificent barn, approved for commercial use. The lower parcel holds the homes, structures, and event space, and the upper 40 acres offers a pond, pasture, and permitted well. With endless potential to live, host, or create something unforgettable, this is a truly rare offering.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
6/10
Horizon Middle SchoolGrades 6-82.2 mi
5/10
Ferndale High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: 2 Story
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room
  • Window features: Dbl Pane/Storm Window
  • Number of fireplaces: 2
  • Fireplace features: Main Level: 2,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Electric,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 2,396
  • Total interior livable area: 2,396 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 3901364654620000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Vaulted Ceiling(s),Walk-In Closet(s)
  • Has view: Yes
  • View description: Mountain(s),Territorial
  • Topography of land: Equestrian
  • Residential vegetation: Pasture

Lot

  • Lot size: 78.41 Acres
  • Features: Paved,Secluded,Arena-Indoor,Barn,Fenced-Partially,Outbuildings,Propane,Stable

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Ice Storm
Cold Wave
Winter Weather

FEMA Declared Disasters in Whatcom County and Washington

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $11,023$132,276
Home Insurance *$398$4,776
Property Taxes $851$10,212
Electricity $163$1,966
Total$12,435$149,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$426,342/yr
40% on housing$373,050/yr
45% on housing$331,600/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$910This listing

vs Other Active Listings

Avg $/sqft

ZIP 98248$497
Whatcom County$299

vs Homes Sold Last Month

Median $/sqft

ZIP 98248$325
Whatcom County$335

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$1,900,000
2026-08-11Listed for sale$1,900,000
2016-03-15Sold$65,000
AgentJulian Friedman
BrokerageThe Muljat Group

Similar Homes