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2760 Jessie Court, Ferndale, WA, 98248

4beds
3baths
1,920sqft
$659,000
$343price/sqft
$3,976/moest. monthly cost
$159,040/yrincome needed

About This Home

Tucked away on a quiet cul-de-sac in Ferndale, this charming home offers the perfect blend of comfort, privacy, and thoughtful design. Backing to a peaceful greenbelt, the fully fenced backyard is a true retreat—complete with a beautiful patio ideal for relaxing or entertaining while surrounded by nature. The main level features a highly desirable layout with a spacious primary suite, allowing for easy, convenient living. The open-concept design seamlessly connects the kitchen, dining area, and great room, creating a bright and welcoming space perfect for everyday living and hosting guests. Upstairs, you’ll find additional bedrooms plus an expansive bonus room—ideal for a media room, play space, home office, or guest area. The flexible floor plan offers room to grow and adapt to your lifestyle. Located in a quiet, sought-after neighborhood, this home combines the charm of a peaceful setting with easy access to local amenities, parks, and schools. A rare opportunity to enjoy privacy, functionality, and style in one inviting package.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

4/10
5/10
Horizon Middle SchoolGrades 6-80.2 mi
5/10
Ferndale High SchoolGrades 9-121.9 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2017

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 1/2 Story
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Bonus Room

  • Level: Second

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Dining Room,Pantry
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,90%+ High Efficiency,Forced Air,Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,920
  • Total interior livable area: 1,920 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 390124185492
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Dining Room,Fireplace,Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
  • Has view: Yes
  • View description: See Remarks,Territorial
  • Topography of land: Level
  • Residential vegetation: Garden Space

Lot

  • Lot size: 5,662 sqft
  • Features: Cul-De-Sac,Paved,Sidewalk,Fenced-Partially,Gas Available,High Speed Internet,Patio

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered 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 $3,332$39,984
Home Insurance *$120$1,440
Property Taxes $375$4,500
Electricity $149$1,793
Total$3,976$47,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,320/yr
40% on housing$119,280/yr
45% on housing$106,026/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

$343This listing

vs Other Active Listings

Avg $/sqft

ZIP 98248$514
Whatcom County$300

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
2026-04-24Listed for sale$699,000
2021-06-30Sold$610,000
2021-06-02Pending sale$595,000
2021-05-20Listed for sale$595,000
2017-10-20Sold$429,000
2016-08-05Sold$95,000

For Sale by Agent

AgentGabrielle Balolia
BrokerageRE/MAX Whatcom County, Inc.

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