120309-1811 EST
mjet:
I have not really analyzed the comments so far, but I have skimmed over them.
Ferndale is an old city. City water is probably cast iron pipes. From the street to the house is possibly galvanized. If this has not been modified by addition of plastic pipe in the path somewhere, then it is a fairly good connection to earth. Your house is likely to have been built in the 1920s.
It is also possible your primary electrical distribution is delta.
First, try to find your transformer. Are there three primary wires at the top of the pole? Are there two primary bushings on the transformer? See my photos at
http://beta-a2.com/misc_TMP_photos.html . In particular P4. Mine is a delta source with no primary ground. It may be a Y at the substation, but it is delta as far as I am concerned.
If your transformer is not too far away and your neighbors don't mind, then get a long insulated wire. Possibly #16. Run this wire from the area of your house and yard to the transformer pole.
Because we do not know what to expect use insulated gloves and boots. At the pole and very close to the pole ground rod push a long screwdriver into the ground. Connect your wire to this probe. Back in your yard use another screwdriver as a probe. Use a high impedance meter, such as a Fluke 27, to measure the voltage between the yard probe and the wire to the pole. In my yard this does not go above about 1/4 volt.
Probe various points in your yard with your main breaker off, or main fuses pulled, or main disconnect switch open. If this voltage is more than a volt. Note its value in extreme positions in your yard, and report back. Also turn power back on in your house, but only one phase, and provide a substantial load like a 1500 watt heater. Now what are the yard voltages.
Next with your main disconnect open, whatever it is, measure the voltage to your water meter, to your gas line, to a main sewer pipe, and to your main panel neutral bus.
I will be back with more tests later.
.