Whatcom County property record for 5342 Shields Rd, Ferndale, WA 98248
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,284 sqft · built 1999 |
| Lot Size | 0.153 acres (6,695 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $271,000 (Aug 2016) |
| Tax Bill | $1,676 (2025) |
| Deeds & Mortgages | Mar 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 534238 |
| Primary APN | 534238 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,284 sqft Living Area |
| 1st Floor Area | 1,284 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,695 sqft (0.153 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 1,048 sqft |
| Storage Building | 112 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 534238 |
|---|---|
| Street Address | 5342 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 19 |
| Legal Range | 02 |
| Legal Township | 39 |
| Legal Section | 28 |
| Legal Subdivision | SHIELDS ESTATES |
| Legal Lot Number | 19 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 10600 |
5342 Shields Rd is owned and occupied by two individuals who bought it in August 2016.
Source: Whatcom County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5342 SHIELDS RD, FERNDALE, WA 98248-8932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2016 · Amount on File |
| Deed Sale | Aug 31, 2016 · Amount on File |
| Prior Sale | Dec 22, 2011 |
| Deed Document Number | 2016-0803970 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 5342 SHIELDS RD, FERNDALE, WA 98248-8932 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 5342 SHIELDS RD, FERNDALE, WA 98248-8932 |
| Document Number | 0000300364 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 2022-0300364 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 867 Months |
| Due | Jun 23, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.11% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Max Rate | 8.11% |
The 2025 property tax bill for 5342 Shields Rd was $1,676 with a senior citizen's exemption.
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Ferndale City |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,676.00 Senior Citizen's exemption | $223,768 Land $85,000 Building $138,768 | $455,807 Land $194,000 Building $261,807 |
| 2022 | $223,768 Land $85,000 Building $138,768 | $419,028 Land $159,171 Building $259,857 | |
| 2021 | $521.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5342 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 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 |
|
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 risk around 5342 Shields Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98% of Washington |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon, Ziply Fiber.
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