850 Bluff St, Ferndale, CA 95536 Property Records

Humboldt County property record for 850 Bluff St, Ferndale, CA 95536 · Last verified July 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,609 sqft · built 1902
Lot Size	0.974 acres (42,418 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Nov 2008)
Tax Bill	$4,037 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031-212-001-000`

Property Details

APN / Parcel Number

Primary APN	`031-212-001-000`
Alternative APN	`03121201`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,609 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Construction Type	Wood
Lot Area	42,418 sqft (0.974 acres)

Location & Zoning

Street Address	850 BLUFF ST
City	FERNDALE
State	CA
Zip	95536-9418
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	L2 /B21P7011 T02N R02W / F FN604450000A C 86C 00000000 N
Legal Block	2
Legal Lot Number	2
Jurisdiction	HUMBOLDT CA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2030
Census Tract	11200

Owner

Source: Humboldt County records · APN 031-212-001-000

Assessment roll updated August 25, 2025 · Last verified July 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
Mailing Address	850 BLUFF ST, FERNDALE, CA 95536-9418
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust · Reverse Mortgage NONE LISTED ON DOCUMENT
Dec 29, 2021	Deed of Trust, Mortgage · Line of Credit REDWOOD CAPITAL BANK
Nov 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CAPITAL BANK
Apr 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 07, 2008 · Amount on Record
Deed Sale	Nov 07, 2008 · Amount on Record
Prior Sale	Jan 21, 2004 · Amount on Record
Deed Document Number	200826211
Last Transfer Date	Mar 16, 2020
Transfer Doc	0000006527
Record Updated	Sep 20, 2026

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Recording Date	May 26, 2026
Property Address	850 BLUFF ST, FERNDALE, CA 95536-9418
Document Number	0000006594
Instrument Date	May 18, 2026
Instrument	20266594
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	850 BLUFF ST, FERNDALE, CA 95536-9418

Mortgage

Document Number	0000006594,
Date	May 26, 2026
Instrument	20266594

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	850 BLUFF ST, FERNDALE, CA 95536-9418
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 BLUFF ST, FERNDALE, CA 95536-9418

Mortgage

Document Number	0000029228
Date	Dec 29, 2021
Instrument	2021-029228

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	850 BLUFF ST, FERNDALE, CA 95536-9418
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	HUMBOLDT LAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 BLUFF ST, FERNDALE, CA 95536-9418

Mortgage

Document Number	0000024235
Date	Nov 01, 2021
Instrument	2021-024235

Lender

Name	REDWOOD CAPITAL BANK
Type	Bank
Address	EUREKA, CA 95501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Apr 20, 2020
Property Address	850 BLUFF ST, FERNDALE, CA 95536-9418
Document Number	0000006527
Instrument Date	Mar 16, 2020
Instrument	6527
Transaction Type	Transfer
Record Updated	May 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	850 BLUFF ST FERNDALE CA 955369418, FERNDALE, CA 95536-9418

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Mar 13, 2020
Property Address	850 BLUFF ST, FERNDALE, CA 95536-9418
Document Number	0000004448
Instrument Date	Feb 17, 2020
Instrument	4448
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 BLUFF ST FERNDALE CA 955369418, FERNDALE, CA 95536-9418

Tax Assessment & Valuation

Source: Humboldt County records · Assessment roll updated August 25, 2025 · Last verified July 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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$4,037.00 (+4.69%)	$387,387 (+4.04%) Land $173,839 Building $213,548
2024	$3,856.00 (+2.15%)
2023	$3,775.00 (+1.56%)	$372,346 Land $167,090 Building $205,256
2022	$3,717.00

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 060230112002, 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 33 individual NFIP policies nearby
Nearby Flood Policies	33 in force
Nearby Flood Claims	4 (1996–2015)
Most Recent Claim	Feb 2015, river or lake flooding

Wildfire

Wildfire Risk	Low above 37% of the US · above 22% of California
Wildfire Likelihood	About 1 in 2,174 per year
Exposure	Direct burnable vegetation at the parcel

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 131 locations within about half a mile of this property

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

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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