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Every listing shows your estimated rebate.

The green number on each home is what could come back to you: the buyer-broker fee (typically 2 to 3%) minus our flat $9,750. No other search shows you this, because no other brokerage gives it back.

At a glance

4431 Saltspring Drive, Ferndale, WA, 98248

$849,000·3 bd·1 ba·NWMLS #2561748

Estimated Arrivva buyer rebate$7,000 to $16,000

Every completed rebate is published: see all 249 closings.

Listing data from NWMLS. Listing courtesy of Anna Lorenz of eXp Realty. Rebate estimate calculated by Arrivva.

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$849,000
40 Days On Site

4431 Saltspring Drive
Ferndale, WA 98248

For Sale|Single Family Residence|Active
3
Beds
3
Total Baths
1
Full Bath
2
Partial Baths
1,930
SqFt
$440
/SqFt
1990
Built
Cumulative Days On Market:
180
Subdivision:
Sandy Point
County:
Whatcom
Courtesy of NWMLS
Listing courtesy of Anna Lorenz of eXp Realty
Call Now: (408) 868-2620
Is this the listing for you? We can help make it yours.
(408) 868-2620
4431 Saltspring Drive4431 Saltspring Drive4431 Saltspring Drive4431 Saltspring Drive
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Welcome to your own waterfront retreat on beautiful Agate Lake with stunning views of the Salish Sea just beyond. Enjoy the best of both worlds with peaceful lakefront living, western-facing saltwater views, private beach access, and your own private dock—perfect for kayaking, paddleboarding, fishing, or simply unwinding while taking in spectacular sunsets.This beautifully remodeled 3-bedroom, 2.5-bath home offers just under 2,000 sq. ft. of thoughtfully designed living space filled with natural light from expansive windows. The chef's kitchen features generous quartz countertops, stainless steel appliances, modern finishes, abundant storage, and an inviting layout ideal for entertaining. Wake each morning in the tranquil primary suite overlooking the lake with views stretching toward the water beyond.A rare highlight is the spacious double lot, providing exceptional outdoor space for entertaining, recreation, gardening, or added privacy. The additional lot may offer future development or lot separation potential; buyer to verify.Enjoy resort-style community amenities including a golf course, swimming pool, clubhouse, marina, and more. Whether you're looking for a year-round home or the perfect Pacific Northwest getaway, this is a rare opportunity to own a truly special waterfront property.

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Listing Snapshot
Price 
$849,000
Days On Site 
40 Days
Bedrooms 
3
Inside Area (SqFt) 
1,930 sqft
Total Baths 
3
Full Baths 
1
Partial Baths 
2
Lot Size 
0.39 Acres
Year Built 
1990
MLS® Number 
2561748
Status 
Active
Property Tax 
$5,372
HOA/Condo/Coop Fees 
$42 monthly
Sq Ft Source 
N/A
Friends & Family
Recent Activity
2 weeks agoListing updated with changes from the MLS®
a month agoListing first seen on site
General Features
Acres 
0.39
Attached Garage 
Yes
Garage 
Yes
Land Lease 
No
Levels 
Two
Parking 
DrivewayAttached
Parking Spaces 
6
Property Sub Type 
Single Family Residence
SqFt Total 
1930
Utilities 
Cable AvailableSewer Connected
Interior Features
Appliances 
DishwasherDryerMicrowaveRefrigeratorDisposalWasherWater Heater
Basement 
None
Fireplace 
Yes
Fireplaces 
1
Flooring 
LaminateCarpet
Heating 
ElectricPropaneFireplace InsertForced Air
Interior 
Ceiling Fan(s)PantryVaulted Ceiling(s)
Main Level Bedrooms 
1
Window Features 
Skylight(s)
Bathroom Full 
Level - Second
Bathroom Half 
Level - Main
Bathroom Three Quarter 
Level - Second
Bedroom 
Level - Main
Dining Room 
Level - Main
Entry Hall 
Level - Main
Kitchen 
Level - Main
Living Room 
Level - Main
Master Bedroom 
Level - Second
Utility Room 
Level - Second
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Exterior Features
Construction Details 
Wood Siding
Exterior 
Garden
Fencing 
Partial
Lot Features 
LevelPavedWaterfront
Patio And Porch 
Deck
Roof 
Composition
View 
LakeMountain(s)OceanSound
Waterfront 
Yes
Waterfront Features 
LakeWaterfront
Waterview 
LakeMountain(s)OceanSound
Windows/Doors 
Skylight(s)
Community Features
Association Fee 
$42.0
Association Fee Frequency 
Monthly
Community Features 
ClubhouseGolfPlayground
MLS Area 
870 - Ferndale/Custer
School District 
Ferndale
Financing Terms Available 
CashConventionalFHAVA Loan
Building Access 
Main
Schools
School District
Ferndale
Elementary School
Eagleridge Elem
Middle School
Horizon Mid
High School
Ferndale High
Courtesy of NWMLS
Listing courtesy of Anna Lorenz of eXp Realty



Listing information is provided by Participants of the Northwest MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Northwest MLS.
All data is obtained from various sources and may not have been verified by the broker or MLS Grid. Supplied open house information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Last checked: 2026-09-10 12:22 AM PDT

Neighborhood & Commute
Source: Walkscore
Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.
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*Estimate only. Actual rebate may vary based on final price, lender requirements, MLS rules, and broker policies.

Questions about this listing

How much could a buyer get back on 4431 Saltspring Drive, Ferndale, WA, 98248?
Arrivva estimates a buyer rebate of $7,000 to $16,000 on this listing. The buyer-broker fee, typically 2 to 3% of the price, goes back to you minus Arrivva's flat $9,750 fee. Every completed rebate is published on the Arrivva results page. See every completed closing
Who is the listing brokerage for 4431 Saltspring Drive, Ferndale, WA, 98248?
Listing courtesy of Anna Lorenz of eXp Realty, per NWMLS listing #2561748. Arrivva is not the listing brokerage: Arrivva is a separate flat-fee brokerage that represents you as the buyer, with your interests first and no dual agency, ever. How Arrivva represents buyers
How do I schedule a tour of 4431 Saltspring Drive, Ferndale, WA, 98248?
Set up a quick chat with Arrivva by phone or video. The team confirms showing availability fast, tours the home with you, and walks you through offer strategy and the rebate math before you commit to anything. Set up a time to talk

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