5470 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5470 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,539 sqft · built 2022
Lot Size	0.129 acres (5,637 sqft)
Owner	Individual Name on Record
Last Sale	$646,547 (Apr 2022)
Tax Bill	$4,241 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590240`

Property Details

APN / Parcel Number

Primary APN	`590240`
Alternative APNs	`390228 421207 0000` `187110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,539 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,637 sqft (0.129 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Patio Area	30 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	187110
Street Address	5470 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 15
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	WOODS POINT PHASE 1
Legal Phase	1
Legal Lot Number	15
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
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
Co-owner	Co-owner on Record
Mailing Address	5470 SHIELDS RD, FERNDALE, WA 98248-8931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
Apr 6, 2022	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	2022-0400541
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5470 SHIELDS RD, FERNDALE, WA 98248-8931
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001200109
Date	Dec 1, 2021
Instrument	2021-1200109

Lender

Name	BANNER BANK
Type	Bank
Address	BELLEVUE, WA 98004

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 6, 2022
Property Address	5470 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000400541
Map Reference	AF 2020-0300521
Instrument Date	Mar 30, 2022
Instrument	2022-0400541
Transaction Type	Transfer
Record Updated	Jun 30, 2023
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	$10,613.55
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	5470 SHIELDS RD, FERNDALE, WA 98248-8931

Mortgage

Document Number	0000400542
Date	Apr 6, 2022
Instrument	2022-0400542

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	Other
Max Rate	8.75%

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	$4,241.00 (+316.6%)	$566,192 (-1.17%) Land $183,330 Building $382,862	$566,192 (-1.17%) Land $183,330 Building $382,862
2022		$572,916 Land $149,808 Building $423,108	$572,916 Land $149,808 Building $423,108
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 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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