5346 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5346 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,112 sqft · built 1999
Lot Size	0.153 acres (6,665 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Dec 2018)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`557362`

Property Details

APN / Parcel Number

Primary APN	`557362`
Alternative APNs	`390228 374071 0000` `97957`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	1,112 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1999
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,665 sqft (0.153 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	24 sqft
Patio Area	357 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	557362
Street Address	5346 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 20
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	SHIELDS ESTATES
Legal Lot Number	20
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1029
Census Tract	10600

Owner

Source: Whatcom County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5346 SHIELDS RD, FERNDALE, WA 98248-8932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Dec 13, 2018	Warranty Deed, Transfer · Conventional with PMI PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on Record
Deed Sale	Dec 13, 2018 · Amount on Record
Prior Sale	Apr 23, 1999 · Amount on Record
Deed Document Number	2018-1201159
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5346 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number	2200701420
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 SHIELDS RD FERNDALE WA 982488932, FERNDALE, WA 98248-8932

Mortgage

Document Number	2200701420
Date	Jul 10, 2020
Instrument	701420

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2035

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Dec 13, 2018
Property Address	5346 SHIELDS RD, FERNDALE, WA 98248-8932
Document Number	2181201159
Instrument Date	Dec 5, 2018
Instrument	1201159
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,968.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 SHIELDS RD FERNDALE WA 982488932, FERNDALE, WA 98248-8932

Mortgage

Document Number	2181201160
Date	Dec 13, 2018
Instrument	1201160

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$3,234.00 (+11.29%)	$431,729 (+10.7%) Land $194,000 Building $237,729	$431,729 (+10.7%) Land $194,000 Building $237,729
2022		$389,984 Land $156,362 Building $233,622	$389,984 Land $156,362 Building $233,622
2021	$2,906.00

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 Record 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	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.

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 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.

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