645 Ridge Rd, Whitethorn, CA 95589 Property Records

Humboldt County property record for 645 Ridge Rd, Whitethorn, CA 95589

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,262 sqft · built 1995
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Mar 2016)
Tax Bill	$3,982 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone D (undetermined)
APN	`109-032-002-000`

Property Details

APN / Parcel Number

Primary APN	`109-032-002-000`
Alternative APN	`10903202`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,262 sqft Living Area

Exterior

Year Built	Built 1995
Construction Type	Wood
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	10903202
Street Address	645 RIDGE RD
City	WHITETHORN
State	CA
Zip	95589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-5-Q/G,D
Legal Description	LT2 BLK 156 TRC42 SHELTER COVE SUB BK 14 PGS73-13
Legal Subdivision	SHELTER COVE 42
Legal Tract	42
Legal Block	156
Legal Lot Number	2
Jurisdiction	HUMBOLDT CA
Township / Civil Division	GARBERVILLE
Census Block Group	1
Census Block	1199
Census Tract	11502

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
Mailing Address	31684 CHELSEA RD, VISALIA, CA 93292-9323
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2016 · Amount on Record
Deed Sale	Mar 30, 2016 · Amount on Record
Prior Sale	Mar 30, 2016
Deed Document Number	2016-005846
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	645 RIDGE RD, WHITETHORN, CA 95589
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31684 CHELSEA RD, VISALIA, CA 93292-9323

Mortgage

Document Number	0000021138
Date	Sep 21, 2021
Instrument	2021-021138

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Humboldt County
Unified School District	Southern Humboldt Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,982.00 (+4.21%)	$331,458 (+4.04%) Land $118,377 Building $213,081
2023	$3,821.00 (+1.49%)	$318,588 Land $113,781 Building $204,807
2022	$3,765.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jan 2019 · tidal / storm surge

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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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	RESORT IMPROVEMENT DISTRICT #1 serves 803 people · EPA ID CA1210022
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2024–2026) 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
101Netlink Fixed Wireless	100 / 20

May also be available: Frontier.

Cell Coverage

No cell data coverage reported

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