5338 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5338 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (May 2026)
Tax Bill	$3,476 (2025)
Deeds & Mortgages	May 2025 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`390228-375057-0000`

Property Details

APN / Parcel Number

Primary APN	`390228-375057-0000`
Alternative APNs	`588602` `97961`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,720 sqft
1st Floor Area	1,320 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	24 sqft
Patio Area	84 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	97961
Street Address	5338 SHIELDS RD
City	FERNDALE
State	WA
Zip	98248-8932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS6.5
Legal Description	SHIELDS ESTATES LOT 18
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	SHIELDS ESTATES
Legal Block	1
Legal Lot Number	18
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1029
Census Tract	10600

Owner

Source: Whatcom County records, as of June 4, 2026

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

Owner of Record	Individual Name on File
Mailing Address	1176 E GROVER ST, B, LYNDEN, WA 98264-8005
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage WHOLESALE MORTGAGE
Jan 3, 2022	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TTL CO OF WA LLC
Jan 3, 2022	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE INC
Feb 23, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRST SEC BK/WA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on File
Deed Sale	May 27, 2026 · Amount on File
Prior Sale	Jul 19, 2002 · Amount on File
Deed Document Number	2026052145
Prior Transfer Date	Dec 24, 2021
Prior Transfer Doc	0000100042
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5338 SHIELDS RD, FERNDALE, WA 98248-8932
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15418 67TH AVENUE CT E, PUYALLUP, WA 98375-7106

Mortgage

Document Number	0000501000
Date	May 13, 2025
Instrument	2025-0501000

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 27, 2026
Property Address	5338 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number	0000002145
Instrument Date	May 21, 2026
Instrument	20262145
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$751,945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1176 E GROVER ST, LYNDEN, WA 98264-8005
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002146,
Date	May 27, 2026
Instrument	2026052146

Lender

Name	WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 3, 2022
Property Address	5338 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number	0000100041
Map Reference	FILE 1981200927
Instrument Date	Dec 24, 2021
Instrument	2022-0100041
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TTL CO OF WA LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15418 67TH AVENUE CT E, PUYALLUP, WA 98375-7106

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 3, 2022
Property Address	5338 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number	0000100042
Map Reference	AF 1981200927
Instrument Date	Dec 24, 2021
Instrument	2022-0100042
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15418 67TH AVENUE CT E, PUYALLUP, WA 98375-7106

Mortgage

Document Number	0000100043
Date	Jan 3, 2022
Instrument	2022-0100043

Lender

Name	MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5338 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number	2190202152
Instrument Date	Feb 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5338 SHIELDS RD FERNDALE WA 982488932, FERNDALE, WA 98248-8932

Mortgage

Document Number	2190202152
Date	Feb 28, 2019
Instrument	202152

Lender

Name	FIRST SEC BK/WA
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,476.00 (+15.21%)	$464,664 (+14.75%) Land $213,400 Building $251,264	$464,664 (+14.75%) Land $213,400 Building $251,264
2022		$404,933 Land $156,362 Building $248,571	$404,933 Land $156,362 Building $248,571
2021	$3,017.00

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	19 (1989–2025)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Dec 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

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

Wildfire Risk	Not 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 System	FERNDALE serves 19,305 people · EPA ID WA5324850
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

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

May also be available: Astound Broadband, Verizon.

Nearby Properties on Shields Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures