2628 Freshwater Rd, Eureka, CA 95503 Property Records

Humboldt County property record for 2628 Freshwater Rd, Eureka, CA 95503

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,702 sqft · built 1962
Lot Size	0.459 acres (20,037 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`405-281-017-000`

Property Details

APN / Parcel Number

Primary APN	`405-281-017-000`
Alternative APN	`40528117`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,702 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Construction Type	Wood
Lot Area	20,037 sqft (0.459 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	40528117
Street Address	2628 FRESHWATER RD
City	EUREKA
State	CA
Zip	95503-9564
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RS
Legal Description	/S4T4NR1E0 T 4N R 1E SEC 371982C 1982C B N 620007B C
Legal Range	01E
Legal Township	04N
Jurisdiction	HUMBOLDT CA
Township / Civil Division	EUREKA
Census Block Group	2
Census Block	2026
Census Tract	10600

Owner

Source: Humboldt County records · APN 405-281-017-000

Assessment roll updated July 1, 2023 · Last verified August 2023

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 File
Mailing Address	2628 FRESHWATER RD, EUREKA, CA 95503-9564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 07, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	2628 FRESHWATER RD, EUREKA, CA 95503-9564
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2628 FRESHWATER RD, EUREKA, CA 95503-9564

Mortgage

Document Number	0000005972
Date	Mar 29, 2022
Instrument	2022-005972

Lender

Name	CHRISTIAN COMMUNITY CU
Type	Credit Union
Address	SAN DIMAS, CA 91773

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Apr 01, 2027
Change Frequency	5 Years
Min Rate At Change	2.12%
Max Rate At Change	4.12%
Index	5-Year CMT
Max Rate	7.12%

Tax Assessment & Valuation

Source: Humboldt County records · Assessment roll updated July 1, 2023 · Last verified August 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Assessed Value
2023	$144,025 Land $37,332 Building $106,693

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 25, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 49 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HUMBOLDT C.S.D. serves 19,775 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.