520 O St, Fortuna, CA 95540 Property Records

Humboldt County property record for 520 O St, Fortuna, CA 95540

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,359 sqft · built 1958
Lot Size	0.109 acres (4,791 sqft)
Owner	Individual Name on File
Last Sale	$337,000 (Sep 2021)
Tax Bill	$3,923 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-103-009-000`

Property Details

APN / Parcel Number

Primary APN	`040-103-009-000`
Alternative APN	`04010309`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,359 sqft Living Area

Exterior

Year Built	Built 1958
Construction Type	Wood
Lot Area	4,791 sqft (0.109 acres)
Garage Type	Detached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	04010309
Street Address	520 O ST
City	FORTUNA
State	CA
Zip	95540-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	-SE4 NE4 S34 T03N R01W /ADD-FORTUNRING01B050382C X 86C 00000000 N
Legal Range	01W
Legal Township	03N
Legal Section	34
Jurisdiction	HUMBOLDT CA
Township / Civil Division	FORTUNA
Census Block Group	2
Census Block	2063
Census Tract	10800

Owner

520 O St is owned and occupied by an individual who bought it in September 2021.

Source: Humboldt County records, as of October 13, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	520 O ST, FORTUNA, CA 95540-1825
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	Dec 24, 2002
Deed Document Number	2021-020256
Record Updated	Jun 7, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Sep 8, 2021
Property Address	520 O ST, FORTUNA, CA 95540-1825
Document Number	0000020256
Instrument Date	Aug 26, 2021
Instrument	2021-020256
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 O ST, FORTUNA, CA 95540-1825

Mortgage

Document Number	0000020257
Date	Sep 8, 2021
Instrument	2021-020257

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 520 O St was $3,923.

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

Property Jurisdictions

Type	Name
State	California
County	Humboldt County
Municipality	Fortuna City
Elementary School District	Fortuna Elementary School District (PK - 08)
Secondary School District	Fortuna Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,923.00	$357,626 Land $132,651 Building $224,975
2023	$3,698.00 (+0.3%)	$343,740 Land $127,500 Building $216,240
2022	$3,687.00

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

Flood

FEMA maps place 520 O St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

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 520 O St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 FORTUNA serves 12,133 people · EPA ID CA1210006
Water Source	Groundwater
Last State Inspection	Oct 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 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