3521 Spear Ave, Arcata, CA 95521 Property Records

Humboldt County property record for 3521 Spear Ave, Arcata, CA 95521

Property Summary

Property Type	Single Family Home
Lot Size	0.547 acres (23,867 sqft)
Owner	Company Name on Record
Tax Bill	$4,686 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`507-321-026-000`

Property Details

APN / Parcel Number

Primary APN	`507-321-026-000`

Exterior

Lot Area	23,867 sqft (0.547 acres)

Location & Zoning

Street Address	3521 SPEAR AVE
City	ARCATA
State	CA
Zip	95521-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
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	Company Name on Record
Mailing Address	3521 SPEAR AVE, ARCATA, CA 95521-4833
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage REDWOOD CAP BK
Apr 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 24, 2020
Transfer Doc	0000006786
Record Updated	Jun 7, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	3521 SPEAR AVE, ARCATA, CA 95521-4833
Document Number	0000013025
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	HUMBOLDT LAND TITLE COMPANY, HUMBOLDT LAND TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3521 SPEAR AVE ARCATA CA 955214833, ARCATA, CA 95521-4833

Mortgage

Document Number	0000013025
Date	Aug 3, 2020
Instrument	13025

Lender

Name	REDWOOD CAP BK
Type	Bank
Address	EUREKA, CA 95501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Apr 24, 2020
Property Address	3521 SPEAR AVE, ARCATA, CA 95521-4833
Document Number	0000006786
Instrument Date	Apr 22, 2020
Instrument	6786
Transaction Type	Transfer
Record Updated	May 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3521 SPEAR AVE ARCATA CA 955214833, ARCATA, CA 95521-4833

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	$4,686.00 (+2.61%) Homeowner's exemption	$427,123 (+4.04%) Land $81,239 Building $345,884
2023	$4,567.00 (+0.59%) Homeowner's exemption	$410,539 Land $78,086 Building $332,453
2022	$4,540.00

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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