645 E California Ave, Arcata, CA 95521 Property Records

Humboldt County property record for 645 E California Ave, Arcata, CA 95521

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,525 sqft · built 1985
Lot Size	1.67 acres (72,859 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Jan 2019)
Tax Bill	$7,195 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`503-500-008-000`

Property Details

APN / Parcel Number

Primary APN	`503-500-008-000`
Alternative APN	`50350008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,525 sqft Living Area

Exterior

Year Built	Built 1985
Construction Type	Wood
Lot Area	72,859 sqft (1.67 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	50350008
Street Address	645 E CALIFORNIA AVE
City	ARCATA
State	CA
Zip	95521-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RVL
Legal Description	LOT 55 TR 165 PRESTON RDG SUB IV BK17 MAPS PP61-63
Legal Subdivision	PRESTON RIDGE SUBDIVISION UNIT IV
Legal Tract	165
Legal Lot Number	55
Jurisdiction	HUMBOLDT CA
Township / Civil Division	ARCATA
Census Block Group	1
Census Block	1007
Census Tract	1200

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit COAST CENTRAL CU
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2019 · Amount on Record
Deed Sale	Jan 23, 2019 · Amount on Record
Prior Sale	Oct 1, 2007 · Amount on Record
Deed Document Number	2019-001292
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235

Mortgage

Document Number	0000018115
Date	Aug 10, 2021
Instrument	2021-018115

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235

Mortgage

Document Number	0000014690
Date	Aug 25, 2020
Instrument	2020-014690

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Jan 23, 2019
Property Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235
Document Number	0000001292
Map Reference	MB 17 PG 61-63
Instrument Date	Nov 13, 2018
Instrument	2019-001292
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	HUMBOLDT LAND TITLE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 E CALIFORNIA AVE, ARCATA, CA 95521-5235

Mortgage

Document Number	0000001293
Date	Jan 23, 2019
Instrument	2019-001293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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
Elementary School District	Arcata Elementary School District (KG - 08)
Secondary School District	Northern Humboldt Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,195.00 (+3.54%) Homeowner's exemption	$648,609 (+4.04%) Land $278,876 Building $369,733
2023	$6,949.00 (-1.88%) Homeowner's exemption	$623,425 Land $268,048 Building $355,377
2022	$7,082.00

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
Nearby Flood Policies	1 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	0.02% 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 21 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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