Humboldt County property record for 646 Elizabeth Dr, Arcata, CA 95521
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 2,761 sqft · built 1981 |
| Lot Size | 7.19 acres (313,651 sqft) |
| Owner | Trust Name on File |
| Last Sale | $675,000 (Aug 2019) |
| Tax Bill | $7,871 (2025) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 516-362-015-000 |
| Primary APN | 516-362-015-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,761 sqft Living Area |
| Year Built | Built 1981 |
|---|---|
| Construction Type | Wood |
| Lot Area | 313,651 sqft (7.19 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Old Parcel Number | 51636215 |
|---|---|
| Street Address | 646 ELIZABETH DR |
| City | ARCATA |
| State | CA |
| Zip | 95521-9252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG-B-5 |
| Legal Description | SUBD:WILSON SUBDIVISION |
| Legal Subdivision | WILSON SUBDIVISION |
| Legal Tract | 154 |
| Legal Lot Number | 14 |
| Jurisdiction | HUMBOLDT CA |
| Township / Civil Division | ARCATA |
| Census Block Group | 2 |
| Census Block | 2083 |
| Census Tract | 1200 |
646 Elizabeth Dr, a rural home, is owner-occupied and held in a trust since August 2019.
Source: Humboldt County records, as of October 13, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 646 ELIZABETH DR, ARCATA, CA 95521-9252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 | Aug 30, 2019 · Amount on File |
| Deed Sale | Aug 30, 2019 · Amount on File |
| Prior Sale | Apr 19, 2006 · Amount on File |
| Deed Document Number | 2019-015139 |
| Record Updated | Jun 7, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Recording Date | Aug 30, 2019 |
| Property Address | 646 ELIZABETH DR, ARCATA, CA 95521-9252 |
| Document Number | 0000015139 |
| Map Reference | MB 17 PG 35-37 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 2019-015139 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| 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 | Revocable Trust |
| Address | 646 ELIZABETH DR, ARCATA, CA 95521-9252 |
| Document Number | 0000015140 |
|---|---|
| Date | Aug 30, 2019 |
| Instrument | 2019-015140 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
The 2025 property tax bill for 646 Elizabeth Dr was $7,871 with a homeowner's exemption.
Source: Humboldt County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | Humboldt County |
| Secondary School District | Northern Humboldt Union High School District (09 - 12) |
| Elementary School District | Pacific Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,871.00 Homeowner's exemption | $725,082 Land $382,774 Building $342,308 |
| 2023 | $7,670.00 (+0.56%) Homeowner's exemption | $696,928 Land $367,911 Building $329,017 |
| 2022 | $7,627.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 646 Elizabeth Dr in Zone X, an area of minimal flood risk.
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 risk around 646 Elizabeth Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| 101Netlink Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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