5478 Shields Rd, Ferndale, WA 98248 Property Records

Whatcom County property record for 5478 Shields Rd, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,334 sqft · built 2022
Lot Size	0.227 acres (9,901 sqft)
Owner	Individual Name on File
Last Sale	$888,104 (Mar 2022)
Tax Bill	$5,738 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`589507`

Property Details

APN / Parcel Number

Primary APN	`589507`
Alternative APNs	`390228 423232 0000` `187106`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,334 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,901 sqft (0.227 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Patio Area	88 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	187106
Street Address	5478 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 11
Legal Range	02
Legal Township	39
Legal Section	28
Legal Subdivision	WOODS POINT PHASE 1
Legal Phase	1
Legal Lot Number	11
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10600

Owner

5478 Shields Rd is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5478 SHIELDS RD, FERNDALE, WA 98248-8931
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
Mar 9, 2022	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2022 · Amount on File
Deed Sale	Mar 9, 2022 · Amount on File
Deed Document Number	2022-0301103
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5478 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 on Record

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 9, 2022
Property Address	5478 SHIELDS RD, FERNDALE, WA 98248-8931
Document Number	0000301103
Map Reference	AF 2020-0300521
Instrument Date	Mar 1, 2022
Instrument	2022-0301103
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,913.26
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	5478 SHIELDS RD, FERNDALE, WA 98248-8931

Mortgage

Document Number	0000301104
Date	Mar 9, 2022
Instrument	2022-0301104

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5478 Shields Rd was $5,738.

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	$5,738.00	$765,998 Land $224,070 Building $541,928	$765,998 Land $224,070 Building $541,928
2022		$745,606 Land $149,808 Building $595,798	$745,606 Land $149,808 Building $595,798
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 5478 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 5478 Shields Rd is low, with 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 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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