543 Ocean Ave, Ferndale, CA 95536 Property Records

Humboldt County property record for 543 Ocean Ave, Ferndale, CA 95536

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,000 (Dec 2023)
Tax Bill	$4,709 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`031-094-005-000`

Property Details

APN / Parcel Number

Primary APN	`031-094-005-000`
Alternative APN	`03109405`

Exterior

Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Street Address	543 OCEAN AVE
City	FERNDALE
State	CA
Zip	95536-9808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-D
Legal Description	L1-3 B7 /FRANCIS DIVISIONYISION-FE0604450000A C 86C 00000000 N
Legal Subdivision	FRANCIS DIVISION OF FERNDALE
Legal Block	1
Legal Lot Number	1
Jurisdiction	HUMBOLDT CA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1026
Census Tract	11200

Owner

Source: Humboldt County records, as of October 14, 2026

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	PO BOX 1382, FERNDALE, CA 95536-1382
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Grant Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK
Dec 20, 2023	Grant Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA
Sep 28, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 30, 2023	Trustee's Deed, Foreclosure FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Aug 30, 2023 · Amount on Record
Deed Document Number	202318009
Last Transfer Date	Sep 17, 2026
Transfer Doc	0000013035
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Sep 23, 2026
Property Address	543 OCEAN AVE, FERNDALE, CA 95536-9808
Document Number	0000013035
Instrument Date	Sep 17, 2026
Instrument	202613035
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013036,
Date	Sep 23, 2026
Instrument	202613036

Lender

Name	FLORIDA CAPITAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Dec 20, 2023
Property Address	543 OCEAN AVE, FERNDALE, CA 95536
Document Number	0000018009
Map Reference	MB 5 PG 79
Instrument Date	Dec 12, 2023
Instrument	2023-018009
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	NOT AVAILABLE, SOLIDIFI TITLE COMPANY OF CA

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	1532 CABERNET CIR, SANTA ROSA, CA 95403-7200

Mortgage

Document Number	0000018010
Date	Dec 20, 2023
Instrument	2023-018010

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Sep 28, 2023
Property Address	543 OCEAN AVE, FERNDALE, CA 95536
Document Number	0000012829
Map Reference	MB 5 PG 79
Instrument Date	Sep 5, 2023
Instrument	2023-012829
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD STE 100, 100, WEST PALM BEACH, FL 33409-6493

August 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Aug 30, 2023
Property Address	543 OCEAN AVE, FERNDALE, CA 95536
Document Number	0000011598
Map Reference	MB 5 PG 79
Instrument Date	Aug 29, 2023
Instrument	2023-011598
Transaction Type	Foreclosure
Record Updated	Sep 15, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Humboldt County
Municipality	Ferndale City
Unified School District	Ferndale Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,709.00 (+148.89%) Homeowner's exemption	$370,158 (+301.46%) Land $178,500 Building $191,658
2024	$1,892.00 (+6.65%)
2023	$1,774.00 (+0.8%) Homeowner's exemption	$92,202 Land $9,888 Building $82,314
2022	$1,760.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1996 · Severe Storms, Flooding, Mud And Landslides

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% 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	DEL ORO WATER CO-FERNDALE private · serves 1,662 people · EPA ID CA1210007
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	4 ppb (2022–2024) 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
101Netlink Fixed Wireless	100 / 20

May also be available: Verizon.

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