5451 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5451 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,390 sqft · built 2021
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$659,900 (Mar 2021)
Tax Bill	$4,972 (2025)
Deeds & Mortgages	Aug 2026 Sale Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390228-382179-0000`

Property Details

APN / Parcel Number

Primary APN	`390228-382179-0000`
Alternative APNs	`187078` `578281`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,390 sqft Living Area
Gross Area	3,216 sqft
1st Floor Area	1,462 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	364 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	187078
Street Address	5451 SHIELDS RD
City	FERNDALE
State	WA
Zip	98248-8931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS6.5
Legal Description	WOODS POINT PHASE 1 LOT 1
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	WOODS POINT PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10600

Owner

Source: Whatcom County records, as of September 22, 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 Record
Mailing Address	5451 SHIELDS RD, FERNDALE, WA 98248-8931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Personal Representative Deed, Transfer SIMPLE TITLE, SIMPLIFILE
Mar 5, 2021	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	Mar 5, 2021 · Amount on Record
Deed Document Number	20211186
Last Transfer Date	Aug 14, 2026
Transfer Doc	0000001907
Record Updated	Oct 29, 2026

August 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 24, 2026
Property Address	5451 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000001907
Instrument Date	Aug 14, 2026
Instrument	20261907
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Tax	$1,010.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5451 SHIELDS RD, FERNDALE, WA 98248-8931

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 5, 2021
Property Address	5451 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000301186
Map Reference	AF 2020-0300521
Instrument Date	Feb 5, 2021
Instrument	2021-0301186
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,851.22
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5451 SHIELDS RD, FERNDALE, WA 98248-8931

Mortgage

Document Number	0000301187
Date	Mar 5, 2021
Instrument	2021-0301187

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$4,972.00 (+388.41%)	$665,418 (-2.58%) Land $183,330 Building $482,088	$665,418 (-2.58%) Land $183,330 Building $482,088
2022		$683,016 Land $149,808 Building $533,208	$683,016 Land $149,808 Building $533,208
2021	$1,018.00

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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.

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