3784 Spear Ave, Arcata, CA 95521 Property Records

Humboldt County property record for 3784 Spear Ave, Arcata, CA 95521

Property Summary

Property Type	Single Family Home
Lot Size	0.586 acres (25,535 sqft)
Owner	Owner Name on Record
Last Sale	$372,000 (Sep 2008)
Tax Bill	$5,232 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`507-191-047-000`

Property Details

APN / Parcel Number

Primary APN	`507-191-047-000`
Alternative APN	`50719147`

Exterior

Lot Area	25,535 sqft (0.586 acres)

Location & Zoning

Old Parcel Number	50719147
Street Address	3784 SPEAR AVE
City	ARCATA
State	CA
Zip	95521-4838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RVL
Legal Description	PAR2 PARMAP 1618 BK14/PARMAPS PG39
Jurisdiction	HUMBOLDT CA
Township / Civil Division	ARCATA
Census Block Group	1
Census Block	1032
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	Owner Name on Record
Mailing Address	3784 SPEAR AVE, ARCATA, CA 95521-4838
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage COAST CENTRAL CU
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2008 · Amount on Record
Deed Sale	Sep 2, 2008 · Amount on Record
Prior Sale	May 31, 2007
Deed Document Number	2008-021344-02
Record Updated	Jun 7, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	3784 SPEAR AVE, ARCATA, CA 95521-4838
Transaction Type	Mortgage
Record Updated	Jan 9, 2023
Title Company	FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3784 SPEAR AVE, ARCATA, CA 95521-4838

Mortgage

Document Number	0000022250
Date	Dec 21, 2022
Instrument	2022-022250

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 6, 2032

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	3784 SPEAR AVE, ARCATA, CA 95521-4838
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3784 SPEAR AVE, ARCATA, CA 95521-4838

Mortgage

Document Number	0000000044
Date	Jan 3, 2022
Instrument	2022-000044

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Nov 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	3784 SPEAR AVE, ARCATA, CA 95521-4838
Document Number	0000016153
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3748 SPEAR AVE ARCATA CA 95521, ARCATA, CA 95521

Mortgage

Document Number	0000016153
Date	Sep 18, 2019
Instrument	16153

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 17, 2034

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	$5,232.00 (+37.11%) Homeowner's exemption	$479,031 (+40.89%) Land $257,543 Building $221,488
2023	$3,816.00 (-1.27%) Homeowner's exemption	$340,000 Land $160,000 Building $180,000
2022	$3,865.00

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
Flood Insurance Cost	Premium on Record 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

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	None beyond ember reach

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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