645 5th St, Ferndale, CA 95536 Property Records

Humboldt County property record for 645 5th St, Ferndale, CA 95536 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.147 acres (6,418 sqft)
Owner	Company Name on File
Last Sale	$585,000 (Jan 2026)
Tax Bill	$2,266 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031-013-022-000`

Property Details

APN / Parcel Number

Primary APN	`031-013-022-000`
Alternative APN	`03101322`

Exterior

Lot Area	6,418 sqft (0.147 acres)

Location & Zoning

Old Parcel Number	03101322
Street Address	645 5TH ST
City	FERNDALE
State	CA
Zip	95536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD:SHAWS SUBDIVISION
Legal Subdivision	SHAWS SUBDIVISION
Jurisdiction	HUMBOLDT CA
Township / Civil Division	FERNDALE
Census Block Group	3
Census Block	3057
Census Tract	11200

Owner

Source: Humboldt County records · APN 031-013-022-000

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	550 FORMSCHLAG LN, PENNGROVE, CA 94951-8715
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CAPITAL BANK
Feb 13, 2024	Deed of Trust, Mortgage · Line of Credit REDWOOD CAPITAL BANK
Jan 12, 2026	Grant Deed, Transfer · Conventional Mortgage REDWOOD CU
Jun 06, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Jun 06, 2022
Deed Document Number	2026-000418
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	645 5TH ST, FERNDALE, CA 95536
Transaction Type	Mortgage
Record Updated	Feb 05, 2026
Title Company	HUMBOLDT LAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1282, FERNDALE, CA 95536-1282

Mortgage

Document Number	0000020639
Date	Sep 14, 2021
Instrument	2021-020639

Lender

Name	REDWOOD CAPITAL BANK
Type	Bank
Address	EUREKA, CA 95501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	645 5TH ST, FERNDALE, CA 95536
Transaction Type	Mortgage
Record Updated	Feb 05, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 5TH ST, FERNDALE, CA 95536

Mortgage

Document Number	0000001850
Date	Feb 13, 2024
Instrument	2024-001850

Lender

Name	REDWOOD CAPITAL BANK
Type	Bank
Address	EUREKA, CA 95501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Jan 12, 2026
Property Address	645 5TH ST, FERNDALE, CA 95536
Document Number	0000000418
Instrument Date	Dec 09, 2025
Instrument	2026-000418
Transaction Type	Transfer
Record Updated	Feb 05, 2026
Title Company	HUMBOLDT LAND TITLE COMPANY, HUMBOLDT LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Revocable Living Trust
Address	550 FORMSCHLAG LN, PENNGROVE, CA 94951-8715

Mortgage

Document Number	0000000419
Date	Jan 12, 2026
Instrument	2026-000419

Lender

Name	REDWOOD CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2041

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HUMBOLDT CA
Recording Date	Jun 06, 2022
Property Address	645 5TH ST, FERNDALE, CA 95536
Document Number	0000010914
Instrument Date	May 05, 2022
Instrument	2022-010914
Transaction Type	Transfer
Record Updated	Jun 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 141, FERNDALE, CA 95536-0141

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 141, FERNDALE, CA 95536-0141

Tax Assessment & Valuation

Source: Humboldt County records · Assessment roll updated July 1, 2025 · Last verified February 2026

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

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.

Year	Tax Bill	Assessed Value
2025	$2,266.00 (+6.54%) Homeowner's exemption	$132,527 (+4.04%) Land $76,350 Building $56,177
2023	$2,127.00 (+0.95%) Homeowner's exemption	$127,383 Land $73,386 Building $53,997
2022	$2,107.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Humboldt County (06023C), updated August 25, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060230112003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Nearby Flood Policies	36 in force
Nearby Flood Claims	12 (1986–2019)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Feb 2019, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm	Severe Storms, Flooding, Mud And Landslides, Dec 1996 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims Severe Storms & Flooding, Feb 1986 · 2 claims

Wildfire

Wildfire Risk	Low above 32% of the US · above 19% of California
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 243 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Cable	940 / 35
101Netlink	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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