5459 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5459 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,981 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$693,132 (Jun 2021)
Tax Bill	$5,087 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390228-395196-0000`

Property Details

APN / Parcel Number

Primary APN	`390228-395196-0000`
Alternative APNs	`187082` `595581`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,981 sqft Living Area
Gross Area	2,843 sqft
1st Floor Area	1,981 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	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Patio Area	26 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	187082
Street Address	5459 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	LOT B WOODS POINT LLA AS REC AF 2020-1102716
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	WOODS POINT LLA
Legal Phase	1
Legal Block	1
Legal Lot Number	B
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10600

Owner

5459 Shields Rd is owned and occupied by an individual who acquired it in June 2023.

Source: Whatcom County records, as of December 30, 2025

Owner of Record	Individual Name on File
Mailing Address	5459 SHIELDS RD, FERNDALE, WA 98248-8931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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
Jun 28, 2023	Transfer on Death Deed, Transfer
Jun 2, 2021	Warranty Deed, Transfer CHICAGO TITLE BELLINGHAM
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Jun 30, 2021 · Amount on File
Deed Document Number	20215370
Last Transfer Date	Jun 27, 2023
Transfer Doc	0000002172
Record Updated	Sep 20, 2026

June 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 28, 2023
Property Address	5459 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000602172
Map Reference	AF 2020-1102716
Instrument Date	Jun 27, 2023
Instrument	2023-0602172
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5459 SHIELDS RD, FERNDALE, WA 98248-8931

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 2, 2021
Property Address	5459 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000600436
Map Reference	AF 2020-1102716
Instrument Date	May 12, 2021
Instrument	2021-0600436
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Tax	$10,727.58
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5457 SHIELDS RD, FERNDALE, WA 98248-8931

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 30, 2021
Property Address	5459 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000605370
Map Reference	AF 2020-1102716
Instrument Date	May 12, 2021
Instrument	2021-0605370
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,442.75
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	5459 SHIELDS RD, FERNDALE, WA 98248-8931

Mortgage

Document Number	0000605371
Date	Jun 30, 2021
Instrument	2021-0605371

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5459 Shields Rd was $5,087.

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	$5,087.00	$680,821 Land $203,700 Building $477,121	$680,821 Land $203,700 Building $477,121
2022		$677,522 Land $149,808 Building $527,714	$677,522 Land $149,808 Building $527,714
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 5459 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 5459 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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