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4781 Cobble Way , Ferndale, WA 98248
$415,000
Est. Payment: $2,013.40/mo
1 Bed
1.5 Bath
709 Sqft
Status: active | Days on site: 18
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Perched in a uniquely beautiful seaside setting, this thoughtfully updated cottage offers the kind of lifestyle that’s increasingly hard to find in Whatcom County. Filled with natural light and positioned to capture sweeping bay, sound, and mountain views, the home blends warmth, simplicity, and connection to the outdoors in all the right ways. Inside, you’ll find a bright and inviting interior with large windows on both levels, an updated kitchen, and comfortable living spaces designed to maximize the surrounding scenery. The upper-level primary suite includes a full bath plus additional flex space ideal for a home office, reading nook, or occasional guest accommodations. Step outside and the lifestyle really comes into focus. Multiple view decks, a hot tub, and a spacious yet low-maintenance yard create incredible indoor-outdoor flow with room to relax, entertain, or potentially expand. Whether you’re enjoying morning coffee overlooking the water or taking in sunsets from the deck, this property feels like a true retreat. Located in the Sandy Point area near the Salish Sea, you’re moments from beaches, marinas, golf, and everyday recreation while still within easy reach of Bellingham and Ferndale amenities. A rare opportunity to own a move-in ready coastal cottage in one of Whatcom County’s most uniquely scenic settings
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Highlights

Listed by Jeff Engen , 360-392-8998 MJB Real Estate Group , 360-392-8998. Northwest Multiple Listing Service

Property Type

Residential
Lot/Acreage
0.17

Year Built

1996

County

Whatcom

Area

870 - Ferndale/Custer

 Neighborhood

Sandy Point

 School District

Ferndale

Listing ID

2523806

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:1.5
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Refrigerator, Stove(s)/Range(s), Washer, Dishwasher(s), Dryer(s), Refrigerator(s), Washer(s)
Floor:Ceramic Tile,Laminate
Other:Sandy Point Improvement Co

Exterior Features

Lot:Dead End Street,Paved,Built On Lot,Cable TV,Deck,High Speed Internet,Hot Tub/Spa
Lot Dimensions:60 x 120 x 60 x 120
Garage Capacity:4
Roof:Composition
Others:Wood,Good
Sewer:Lummi Sewer
Parking Features:Driveway
Principal Interest
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$2,013
Taxes
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$243

Home Price

$415,000

Home Price

Loan Details

30 yrs
6.107%

Interest Rate

Loan Type

Down Payment

20%
$83,000

Down Payment

Down Payment %

All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,013.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,013.40 $242.67 $0.00 $2,256.07
Yearly $24,160.85 $2,912.00 $0.00 $27,072.85
Total $724,825.46 $87,360.00 $0.00 $812,185.46
Lender profile image
Preferred1765470255 Lender1765470255
My Title 1765470255
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Market insight data is pulled from the same city as the listing being viewed (Ferndale, WA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Estimated Payment, Market Insight Calculations, School and Neighborhood Information provided by Blueroof360

The database information herein is provided from and copyrighted by the Northwest Multiple Listing Service (NWMLS). NWMLS data may not be reproduced or redistributed and is only for people viewing this site. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. All rights are reserved by copyright. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.
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Data last updated: 2026-06-27T16:26:12.000Z

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