431 Upper Creek Rd, Bayside, CA 95524 Property Records

Humboldt County property record for 431 Upper Creek Rd, Bayside, CA 95524

Property Summary

Property Type	Rural Home
Lot Size	3.98 acres (173,368 sqft)
Owner	2 Company Names on File
Last Sale	$99,000 (May 2007)
Tax Bill	$4,793 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`404-151-055-000`

Property Details

APN / Parcel Number

Primary APN	`404-151-055-000`
Alternative APN	`40415155`

Exterior

Lot Area	173,368 sqft (3.98 acres)

Location & Zoning

Street Address	431 UPPER CREEK RD
City	BAYSIDE
State	CA
Zip	95524-9346
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	U
Legal Description	SUBDV:0000 T 5N R 1E SEC 24 & 1900795B071982C B N 620007B C
Legal Block	3
Jurisdiction	HUMBOLDT CA
Township / Civil Division	ARCATA
Census Block Group	3
Census Block	3006
Census Tract	900

Owner

431 Upper Creek Rd, a rural home, is owned by a company that bought it in May 2007.

Source: Humboldt County records, as of September 3, 2026

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 827, BAYSIDE, CA 95524-0827
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CREDIT UNION
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit COAST CENTRAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2007 · Amount on File
Deed Sale	May 21, 2007 · Amount on File
Prior Sale	Apr 7, 2000 · Amount on File
Deed Document Number	200715769
Prior Transfer Date	Dec 7, 1998
Prior Transfer Doc	0003217302
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Recording Date	Aug 14, 2026
Property Address	431 UPPER CREEK RD, BAYSIDE, CA 95524-9346
Document Number	0000011103
Instrument Date	Aug 7, 2026
Instrument	202611103
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	431 UPPER CREEK RD, BAYSIDE, CA 95524-9346

Mortgage

Document Number	0000011103,
Date	Aug 14, 2026
Instrument	202611103

Lender

Name	REDWOOD CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	431 UPPER CREEK RD, BAYSIDE, CA 95524-9346
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 827, BAYSIDE, CA 95524-0827

Mortgage

Document Number	0000017852
Date	Aug 6, 2021
Instrument	2021-017852

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jul 30, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 431 Upper Creek Rd was $4,793, up 3.1% from the year before.

Source: Humboldt County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	California
County	Humboldt County
Secondary School District	Northern Humboldt Union High School District (09 - 12)
Elementary School District	Jacoby Creek Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,793.00 (+3.08%)	$454,822 Land $150,612 Building $304,210
2024	$4,650.00 (+0.48%)
2023	$4,628.00 (+0.09%)	$437,163 Land $144,764 Building $292,399
2022	$4,624.00

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

Flood

FEMA maps place 431 Upper Creek Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1980.

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	1 in force
Nearby Flood Claims	10 (1980–2002)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Dec 2002 · tidal / storm surge

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

Wildfire risk around 431 Upper Creek Rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HUMBOLDT BAY MWD private · serves 680 people · EPA ID CA1210013
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
101Netlink Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Upper Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures