Humboldt County property record for 645 Montgomery St, Loleta, CA 95551
| Property Type | Duplex |
|---|---|
| Lot Size | 0.229 acres (10,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $615,000 (Mar 2023) |
| Tax Bill | $10,602 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 309-103-005-000 |
| Primary APN | 309-103-005-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 10,018 sqft (0.229 acres) |
|---|
| Old Parcel Number | 30910305 |
|---|---|
| Street Address | 645 MONTGOMERY ST |
| City | LOLETA |
| State | CA |
| Zip | 95551-9404 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RS-5-M |
| Legal Description | L1 /B17P81W/600950C080586C VS 080586C B N 620007B C |
| Legal Lot Number | 1 |
| Jurisdiction | HUMBOLDT CA |
| Township / Civil Division | FORTUNA |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 10800 |
645 Montgomery St, a duplex, is owned by an individual who bought it in March 2023.
Source: Humboldt County records, as of October 13, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 491, LOLETA, CA 95551-0491 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2023 · Amount on File |
| Deed Sale | Mar 9, 2023 · Amount on File |
| Deed Document Number | 2023-003013 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Recording Date | Mar 9, 2023 |
| Property Address | 645 MONTGOMERY ST, LOLETA, CA 95551-9404 |
| Document Number | 0000003013 |
| Map Reference | MB 2B PG 49 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023-003013 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2023 |
| Title Company | HUMBOLDT LAND TITLE COMPANY, HUMBOLDT LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 230 BACCHETTI DR, EUREKA, CA 95503-5183 |
| Document Number | 0000003014 |
|---|---|
| Date | Mar 9, 2023 |
| Instrument | 2023-003014 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 645 Montgomery St was $10,602.
Source: Humboldt County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | Humboldt County |
| Secondary School District | Fortuna Union High School District (09 - 12) |
| Elementary School District | Loleta Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $10,602.00 | $639,846 Land $234,090 Building $405,756 |
| 2023 | $4,288.00 (+7.52%) | $128,408 Land $14,076 Building $114,332 |
| 2022 | $3,988.00 |
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.
FEMA maps place 645 Montgomery St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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 risk around 645 Montgomery St 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOLETA C.S.D. serves 828 people · EPA ID CA1210023 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 142 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 |
May also be available: T-Mobile.
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