2131 Hearthstone Street, Ferndale, WA, 98248
About This Home
Experience luxury in this well-designed 2021 Malloy Terrace home. Vaulted ceilings, exceptional kitchen with over-size island, quartz waterfall counter, extensive custom cabinets and and large walk-in pantry. The open layout connects kitchen to the dining and living room space, with floor-to-ceiling tiled gas fireplace. The open concept is cozy, yet spacious enough for gatherings. The main floor has a bedroom with spa-like en-suite with glass walk-in shower, plus a separate powder room. Upstairs has a spacious master suite that includes a walk-in closet with custom shelving; another spa experience in the master bathroom with glass walk-in shower w/ 3 shower heads. Also upstairs are 2 more bedrooms and a full bath, a laundry room with sink, and an extra sitting area overlooking the living room. Off the kitchen/dining area is a door to the extra large back deck, with gas bbq, and a fully-fenced backyard. Extras that make this home special: So many windows bring in natural light, custom blinds that open from top or bottom for privacy; energy efficient heat pump air-conditioning and ceiling fans; on-demand hot water; outlet for EV charging in garage; neighborhood trails and nearby park. New Thornton Road overpass makes for quick access to I-5, Bellingham and B.C.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Very Good
- Year built: 2021
Materials
- Foundation: Poured Concrete
- Roof: Composition
- Construction materials: Cement Planked,Stone,Wood Siding,Cement Plank
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary,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: tankless gas,Water Heater Location: garage
Basement
- Basement: None
Bathroom Full
- Level: Second
Bathroom Three Quarter
- Level: Second
Bathroom Three Quarter
- Level: Main
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 1
- 3/4 bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Entry Hall
- Level: Main
Features
- Bath Off Primary,Ceiling Fan(s),Pantry
- Window features: Dbl Pane/Storm Window
- Flooring: Ceramic Tile,Vinyl Plank,Carpet
- Number of fireplaces: 1
- Fireplace features: Gas,Main Level: 1,Fireplace
- Fireplace: Yes
Heating & Cooling
- Heating features: Fireplace,Forced Air,Electric,Natural Gas
- Cooling features: Heat Pump
Interior Area
- Total structure area: 2,304
- Total interior livable area: 2,304 sqft
Kitchen With Eating Space
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Second
Other
- Level: Main
Utility Room
- Level: Second
Property
Details
- Parcel number: 3902184611640000
- Zoning: Medium SF
- Zoning description: Jurisdiction: City
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Entry location: Main
- Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Fireplace,Pantry,Vaulted Ceiling(s),Walk-In Closet(s),Water Heater
- Has view: Yes
- View description: Territorial
- Topography of land: Level,Sloped
- Residential vegetation: Garden Space
Lot
- Lot size: 4,356 sqft
- Features: Curbs,Paved,Sidewalk,Cable TV,Deck,Fenced-Fully,High Speed Internet
- Lot size dimensions: 85 x 51
Parking
- Total spaces: 4
- Parking features: Driveway,Attached Garage
- Has garage: Yes
- Covered spaces: 2
- Uncovered 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
- Ice Storm
- Cold Wave
- Earthquake
- Winter Weather
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 | $3,483 | $41,796 |
| Home Insurance * | $126 | $1,512 |
| Property Taxes | $370 | $4,440 |
| Electricity | $157 | $1,891 |
| Total | $4,136 | $49,632 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Pending sale | $680,000 |
| 2026-08-04 | Price change | $680,000 |
| 2026-07-13 | Price change | $689,000 |
| 2026-06-18 | Price change | $695,000 |
| 2026-06-06 | Price change | $715,000 |
| 2026-05-15 | Listed for sale | $725,000 |
| 2021-04-29 | Sold | $524,000 |
| 2020-11-22 | Pending sale | $519,900 |
| 2020-10-16 | Listed for sale | $519,900 |
| 2020-08-14 | Sold | $110,000 |
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