3507 Spear Ave, Arcata, CA 95521 Property Records

Humboldt County property record for 3507 Spear Ave, Arcata, CA 95521

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,040 sqft · built 1953
Lot Size	0.547 acres (23,834 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,146 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`507-321-025-000`

Property Details

APN / Parcel Number

Primary APN	`507-321-025-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,040 sqft Total Area

Exterior

Year Built	Built 1953
Construction Type	Wood
Lot Area	23,834 sqft (0.547 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3507 SPEAR AVE
City	ARCATA
State	CA
Zip	95521-4833
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-R
Legal Description	PTN SEC 20, T6N, R1E
Jurisdiction	HUMBOLDT CA
Township / Civil Division	ARCATA
Census Block Group	2
Census Block	2009
Census Tract	1102

Owner

Source: Humboldt County records, as of October 13, 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	3507 SPEAR AVE, ARCATA, CA 95521-4833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Deed of Trust, Mortgage · Line of Credit COAST CTRL CU
Sep 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage COAST CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	May 20, 2011
Last Transfer Date	Sep 23, 2020
Transfer Doc	0000016949
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	3507 SPEAR AVE, ARCATA, CA 95521-4833
Document Number	0000025236
Instrument Date	Dec 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3507 SPEAR AVE ARCATA CA 955214833, ARCATA, CA 95521-4833

Mortgage

Document Number	0000025236
Date	Dec 28, 2020
Instrument	25236

Lender

Name	COAST CTRL CU
Type	Credit Union
Address	EUREKA, CA 95501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 27, 2030

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Sep 23, 2020
Property Address	3507 SPEAR AVE, ARCATA, CA 95521-4833
Document Number	0000016949
Instrument Date	Sep 1, 2020
Instrument	16949
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3507 SPEAR AVE ARCATA CA 955214833, ARCATA, CA 95521-4833

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	3507 SPEAR AVE, ARCATA, CA 95521-4833
Document Number	0000012479
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	HUMBOLDT LAND TITLE COMPANY, HUMBOLDT LAND TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3507 SPEAR AVE ARCATA CA 955214833, ARCATA, CA 95521-4833

Mortgage

Document Number	0000012479
Date	Jul 27, 2020
Instrument	12479

Lender

Name	COAST CTRL CU
Type	Credit Union
Address	EUREKA, CA 95501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

Tax Assessment & Valuation

Source: Humboldt County assessment roll, as of July 1, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,146.00 (+2.31%) Homeowner's exemption	$254,058 (+4.04%) Land $115,216 Building $138,842
2023	$3,075.00 (+0.59%) Homeowner's exemption	$244,194 Land $110,743 Building $133,451
2022	$3,057.00

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	4 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

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	0.01% 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 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

May also be available: Vero Fiber.

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