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8095 Rathbone Road, Ferndale, WA, 98248

3beds
2baths
1,848sqft
$549,000
$297price/sqft
$3,383/moest. monthly cost
$135,320/yrincome needed

About This Home

Escape the hustle & bustle on your own quiet country estate! This well-maintained and updated 3-bed home on 4 acres is a canvas for you to paint the next phase of your life. Upon entrance you are greeted by an open layout with kitchen, dining, and two living rooms connected and all new LVP flooring throughout. Spacious kitchen offers ample counter space and storage, eat-in bar at the island, and extra corner island with Spanish-inspired tiling. Off the kitchen is the main living room w/ exposed beams, built-in storage, and wood fireplace with stone hearth. Dining room and additional living space feature more built-in storage, sliding glass door and many windows letting in ample natural light. On one end of the home is your huge primary en-suite bedroom w/ new carpet, walk in closet, and bathroom w/ dual vanities and newly tiled shower. On the other end of the home is the guest bathroom and two additional bedrooms w/ new carpet, generous closet space, and bank of windows bringing in the summer sun. Home also features two driveway entrances w/ parking as well as two large decks on either side, one which is fully covered for outdoor enjoyment regardless of the weather. Just shy of 4ac is mostly pasture with some wooded area and plenty of room for a shop or ADU, buyer to verify. Property has its own well and septic for self-sufficient living and a small shed/shop for projects or storage. Many updates such as roof, skylights & windows, siding, paint, and more, inquire for details!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Fisher Elementary SchoolGrades K-52.9 mi
5/10
Lynden Middle SchoolGrades 6-85.5 mi
6/10
Lynden High SchoolGrades 9-124.8 mi

Construction

Condition

  • Property condition: Average
  • Year built: 1985

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Manuf-Double Wide
  • Property subType: Manufactured Home,Manufactured On Land

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Refrigerator(s),Washer(s)

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room
  • Window features: Skylight(s)
  • Flooring: Vinyl Plank,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,848
  • Total interior livable area: 1,848 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 4002275104970000
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dining Room,Fireplace,Skylight(s),Vaulted Ceiling(s)
  • Has view: Yes
  • View description: Mountain(s),Territorial
  • Residential vegetation: Fruit Trees,Garden Space,Wooded

Lot

  • Lot size: 3.91 Acres
  • Features: Paved,Deck,High Speed Internet,Outbuildings,RV Parking

Parking

  • Total spaces: 6
  • Parking features: Driveway,Off Street,RV Parking
  • Uncovered spaces: 6

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
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Ice Storm
Cold Wave
Inland Flooding
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 $2,776$33,312
Home Insurance *$100$1,200
Property Taxes $358$4,296
Electricity $149$1,793
Total$3,383$40,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,988/yr
40% on housing$101,490/yr
45% on housing$90,213/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

$297This listing

vs Other Active Listings

Avg $/sqft

ZIP 98248$515
Whatcom County$301

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)

Price History

DateEventPrice
2026-07-01Listed for sale$549,000

For Sale by Agent

AgentAaron Bean
BrokerageKeller Williams Western Realty

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