185 Fern Ln, Eureka, CA 95503 Property Records

Humboldt County property record for 185 Fern Ln, Eureka, CA 95503

Property Summary

Property Type	Single Family Home
Lot Size	1.1 acres (48,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Aug 2020)
Tax Bill	$7,020 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`402-251-028-000`

Property Details

APN / Parcel Number

Primary APN	`402-251-028-000`
Alternative APN	`40225128`

Exterior

Lot Area	48,257 sqft (1.1 acres)

Location & Zoning

Street Address	185 FERN LN
City	EUREKA
State	CA
Zip	95503-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B-5
Legal Description	LOT 19 FRESHWATER VALLEY ESTATES BK 17 PG 22-23
Legal Subdivision	FRESHWATER VALLEY EST
Legal Block	2
Legal Lot Number	19
Jurisdiction	HUMBOLDT CA
Township / Civil Division	EUREKA
Census Block Group	2
Census Block	2009
Census Tract	10600

Owner

Source: Humboldt County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	185 FERN LN, EUREKA, CA 95503-9548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Dec 14, 2004 · Amount on Record
Deed Document Number	202015005
Prior Transfer Date	Apr 11, 1997
Prior Transfer Doc	0000009065
Record Updated	Oct 29, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Aug 28, 2020
Property Address	185 FERN LN, EUREKA, CA 95503-9548
Document Number	0000015005
Map Reference	MB 17 PG 22&23
Instrument Date	Aug 21, 2020
Instrument	2020-015005
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	185 FERN LN, EUREKA, CA 95503-9548

Mortgage

Document Number	0000015006
Date	Aug 28, 2020
Instrument	2020-015006

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Humboldt County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	California
County	Humboldt County
Elementary School District	Freshwater Elementary School District (KG - 06)
Secondary School District	Eureka City Unified School District (7-12) (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,020.00 (+4.59%) Veteran's exemption	$811,822 (+4.04%) Land $194,837 Building $616,985
2024	$6,712.00 (-0.27%)
2023	$6,730.00 (-4.67%) Disabled Person's exemption Veteran's exemption	$780,300 Land $187,272 Building $593,028
2022	$7,060.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2022 · 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
Nearby Flood Policies	9 in force
Nearby Flood Claims	8 (1995–2025)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Dec 2025 · rainfall accumulation

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 88% of California
Wildfire Likelihood	0.03% 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	HUMBOLDT C.S.D. serves 19,775 people · EPA ID CA1210009
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
101Netlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fern Ln

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