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5315 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5315 Shields Rd, Ferndale, WA 98248

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 1,394 sqft · built 2000
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$515,000 (Jun 2026)
Tax Bill$3,195 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Jun 2026 Sale
Flood ZoneZone X (minimal risk)
APN390228-375019-0000

Property Details

APN / Parcel Number

Primary APN390228-375019-0000
Alternative APNs
  • 97960
  • 66405

Interior

Bedrooms5 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,394 sqft Living Area
Gross Area1,834 sqft
1st Floor Area1,394 sqft
FlooringCarpet
Interior WallsFinished/Painted

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialCombination
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Deck Area88 sqft
Patio Area123 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number97960
Street Address5315 SHIELDS RD
CityFERNDALE
StateWA
Zip98248-8932
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS6.5
Legal DescriptionSHIELDS ESTATES LOT 49
Legal Range02
Legal Township39
Legal Section28
Legal SubdivisionSHIELDS ESTATES
Legal Block1
Legal Lot Number49
JurisdictionWHATCOM WA
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1028
Census Tract10600

Owner

5315 Shields Rd is owned and occupied by an individual who bought it in June 2026.

Source: Whatcom County records, as of June 22, 2026

Owner of RecordIndividual Name on File
Mailing Address5315 SHIELDS RD, FERNDALE, WA 98248-8932
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2026Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE
Jun 12, 2026Quit Claim Deed, Transfer
E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 12, 2026 · Amount on File
Deed SaleJun 12, 2026 · Amount on File
Prior SaleAug 25, 2000 · Amount on File
Deed Document Number2026061113
Prior Transfer DateJun 11, 2026
Prior Transfer Doc0000001114
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateJun 12, 2026
Property Address5315 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number0000001113
Instrument DateJun 12, 2026
Instrument20261113
Transaction TypeTransfer
Record UpdatedJun 22, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$832,745.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address5315 SHIELDS RD, FERNDALE, WA 98248-8932

Mortgage

Document Number0000001115,
DateJun 12, 2026
Instrument2026061115
Lender
NameCROSSCOUNTRY MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWHATCOM WA
Recording DateJun 12, 2026
Property Address5315 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number0000001114
Instrument DateJun 11, 2026
Instrument20261114
Transaction TypeTransfer
Record UpdatedAug 30, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount on Record
Tax$1,010.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address5315 SHIELDS RD, FERNDALE, WA 98248-8932

Tax Assessment & Valuation

The 2025 property tax bill for 5315 Shields Rd was $3,195.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
MunicipalityFerndale City
Unified School DistrictFerndale School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,195.00$427,143 Land $174,600 Building $252,543$427,143 Land $174,600 Building $252,543
2022$424,219 Land $156,362 Building $267,857$424,219 Land $156,362 Building $267,857
2021$3,161.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5315 Shields Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims19 (1989–2025)
Claims Outside the SFHA1 of 19
Most Recent ClaimDec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 6 claims
  • Severe Winter Storm, Landslides, Mudslides, And Flooding, Jan 2009 · 5 claims
  • Severe Storms, High Wind, And Flooding, Nov 1995 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 5315 Shields Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemFERNDALE
serves 19,305 people · EPA ID WA5324850
Water SourceGroundwater
Last State InspectionMay 2025
Lead6 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Ziply Fiber
Fiber		6,000 / 6,000
Xfinity
Cable		2,000 / 250

May also be available: Astound Broadband, Verizon.

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