4045 Saltspring Drive, Ferndale, WA, 98248
About This Home
Experience the best of Sandy Point canal-front living in this 3-bedroom, 1.75-bath home offering approximately 1,700 square feet and direct access to the water. The bright, open kitchen creates an inviting gathering space and flows easily into the living area, where a sliding glass door opens directly to the canal-side patio. The outdoor space offers a wonderfully private feel—perfect for relaxing, entertaining, or watching the activity on the canal. The primary bedroom features peaceful water views, while an additional bedroom offers its own private deck. A main-floor bedroom includes a custom Murphy bed, providing flexible space for guests, a home office, or everyday living. Outside, you’ll find a rare concrete bulkhead and private 40-foot dock, ideal for boating, fishing, kayaking, and crabbing. Sandy Point provides boaters with exceptional access to Matia, Sucia, and the San Juan Islands, making it easy to head out for a day of island exploring, fishing, or cruising. Additional features include an attached garage with a convenient workshop area, generous off-street parking, and a detached storage shed. Community amenities include a 9-hole golf course, swimming pool, pickleball courts, clubhouses, marina, and boat launch. A special opportunity for year-round canal-front living or a memorable coastal getaway.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Very Good
- Year built: 1987
Materials
- Foundation: Poured Concrete
- Roof: Composition
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman,1 1/2 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Microwave(s),Refrigerator(s),Washer(s),Water Heater: Propane,Water Heater Location: Garage
Basement
- Basement: None
Bathroom Full
- Level: Second
Bathroom Three Quarter
- Level: Main
Bedroom
- Level: Main
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling Fan(s)
- Window features: Dbl Pane/Storm Window
- Flooring: Laminate,Vinyl Plank,Carpet
- Number of fireplaces: 1
- Fireplace features: Gas,Main Level: 1,Fireplace
- Fireplace: Yes
Heating & Cooling
- Heating features: Fireplace,Forced Air,Propane
- Cooling features: None
Interior Area
- Total structure area: 1,700
- Total interior livable area: 1,700 sqft
Kitchen With Eating Space
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Second
Utility Room
- Level: Main
Property
Details
- Parcel number: 3801160725140000
- Zoning description: Jurisdiction: County
- Special condition: Standard
- Other equipment: Wired for Generator
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Ceiling Fan(s),Dbl Pane/Storm Window,Fireplace,Hot Tub/Spa,Water Heater,Wired for Generator
- Has spa: Yes
- Spa features: Indoor
- Has view: Yes
- View description: Bay,Canal,Islands,Sound,Strait
- Has water view: Yes
- Water view: Bay,Canal,Sound,Strait
- On waterfront: Yes
- Waterfront features: Canal Front,Saltwater,Sound,Strait
- Topography of land: Level
Lot
- Lot size: 0.33 Acres
- Features: Dead End Street,Paved,Cable TV,Deck,Hot Tub/Spa,Moorage,Patio,Propane,RV Parking
Parking
- Total spaces: 5
- Parking features: Attached Garage,RV Parking
- Has garage: Yes
- Covered spaces: 1
- Uncovered spaces: 4
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
- Coastal Flooding
- Cold Wave
- Earthquake
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters in Whatcom County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,171 | $50,052 |
| Home Insurance * | $150 | $1,800 |
| Property Taxes | $539 | $6,468 |
| Electricity | $149 | $1,793 |
| Total | $5,009 | $60,108 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-18 | Price change | $799,000 |
| 2026-07-30 | Listed for sale | $825,000 |
| 2018-08-20 | Sold | $500,000 |
| 2018-08-13 | Pending sale | $539,000 |
| 2018-07-25 | Listed for sale | $539,000 |
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