Humboldt County property record for 3498 Zelia Ct, Arcata, CA 95521
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,304 sqft · built 1981 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Dec 2019) |
| Tax Bill | $3,760 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 507-422-027-000 |
| Primary APN | 507-422-027-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Gross Area | 1,524 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Wood |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 3498 ZELIA CT |
|---|---|
| City | ARCATA |
| State | CA |
| Zip | 95521-4861 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | LOT 90 TR149 CHEVRET VAISSADE #4 BK17/MAPS PG22-24 |
| Legal Subdivision | CHEVRET VAISSADE |
| Legal Tract | 149 |
| Legal Block | 1 |
| Legal Lot Number | 90 |
| Jurisdiction | HUMBOLDT CA |
| Township / Civil Division | ARCATA |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 1102 |
3498 Zelia Ct is owned and occupied by two individuals who bought it in December 2019.
Source: Humboldt County records, as of June 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| May 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 16, 2019 | Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC |
| Nov 20, 2018 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Nov 16, 2018 | Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2019 · Amount on File |
| Deed Sale | Dec 16, 2019 · Amount on File |
| Prior Sale | Jul 10, 2002 · Amount on File |
| Deed Document Number | 201922435 |
| Prior Transfer Date | Oct 22, 2008 |
| Prior Transfer Doc | 0000028427 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Recording Date | May 13, 2026 |
| Property Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Document Number | 0000006052 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20266052 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006052, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 20266052 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 1, 2051 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Property Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Document Number | 0000010134 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 2021-010134 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Recording Date | Dec 16, 2019 |
| Property Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Document Number | 0000022435 |
| Map Reference | MB 17 PG 22-24 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 2019-022435 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Document Number | 0000022436 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 2019-022436 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Recording Date | Nov 20, 2018 |
| Property Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Document Number | 0000020740 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 20740 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3498 ZELIA CT ARCATA CA 955214861, ARCATA, CA 95521-4861 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Recording Date | Nov 16, 2018 |
| Property Address | 3498 ZELIA CT, ARCATA, CA 95521-4861 |
| Document Number | 0000020514 |
| Instrument Date | Oct 11, 2018 |
| Instrument | 20514 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2018 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4497 STATE ROUTE 64 CANANDAIGUA NY 144249330, CANANDAIGUA, NY 14424-9330 |
The 2025 property tax bill for 3498 Zelia Ct was $3,760 with a homeowner's exemption, up 2.5% from the year before.
Source: Humboldt County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | California |
| County | Humboldt County |
| Municipality | Arcata City |
| Secondary School District | Northern Humboldt Union High School District (09 - 12) |
| Elementary School District | Pacific Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,760.00 (+2.54%) Homeowner's exemption | $339,026 Land $164,045 Building $174,981 |
| 2024 | $3,667.00 (-1.95%) | |
| 2023 | $3,740.00 (+0.56%) | $325,863 Land $157,676 Building $168,187 |
| 2022 | $3,719.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3498 Zelia Ct in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
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 risk around 3498 Zelia Ct is low, with a 0.02% 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 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ARCATA serves 18,857 people · EPA ID CA1210001 |
|---|---|
| Water Source | Purchased groundwater from HUMBOLDT BAY MWD |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| 101Netlink Fixed Wireless | 100 / 20 |
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