5454 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5454 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,988 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$571,050 (Jul 2022)
Tax Bill	$4,824 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390228-398175-0000`

Property Details

APN / Parcel Number

Primary APN	`390228-398175-0000`
Alternative APNs	`187088` `593389`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,988 sqft Living Area
Gross Area	2,737 sqft
1st Floor Area	1,988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Patio Area	28 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	187088
Street Address	5454 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 54
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	WOODS POINT PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	54
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10600

Owner

5454 Shields Rd is owned by a company that bought it in July 2022.

Source: Whatcom County records, as of April 2, 2026

Owner of Record	Company Name on File
Mailing Address	5454 SHIELDS RD, FERNDALE, WA 98248-8931
Owner Type	Company
Vesting	Life Tenant

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

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU
Jul 20, 2022	Warranty Deed, Transfer CHICAGO TITLE COMPANY OF WA
Mar 17, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on File
Deed Sale	Jul 20, 2022 · Amount on File
Prior Sale	Mar 17, 2021 · Amount on File
Deed Document Number	20222024
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5454 SHIELDS RD, FERNDALE, WA 98248-8931
Transaction Type	Mortgage
Record Updated	Apr 8, 2024
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000400055
Date	Apr 1, 2024
Instrument	2024-0400055

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 20, 2022
Property Address	5454 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000702024
Instrument Date	Jul 13, 2022
Instrument	2022-0702024
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Tax	$9,269.69
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5454 SHIELDS RD, FERNDALE, WA 98248-8931

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 17, 2021
Property Address	5454 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000303282
Map Reference	AF 2020-0300521
Instrument Date	Feb 24, 2021
Instrument	2021-0303282
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$10,561.38
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	5454 SHIELDS RD, FERNDALE, WA 98248-8931

Tax Assessment & Valuation

The 2025 property tax bill for 5454 Shields Rd was $4,824.

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	$4,824.00	$645,672 Land $183,330 Building $462,342	$645,672 Land $183,330 Building $462,342
2022		$661,178 Land $149,808 Building $511,370	$661,178 Land $149,808 Building $511,370
2021	$1,018.00

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

Flood

FEMA maps place 5454 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	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

Wildfire risk around 5454 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 94% of the US · lower than 96% 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.

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