860 11th St, Arcata, CA 95521 Property Records

Humboldt County property record for 860 11th St, Arcata, CA 95521

Property Summary

Property Type	Duplex
Lot Size	0.192 acres (8,377 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jul 2017)
Tax Bill	$7,239 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`021-091-008-000`

Property Details

APN / Parcel Number

Primary APN	`021-091-008-000`
Alternative APN	`02109108`

Exterior

Lot Area	8,377 sqft (0.192 acres)

Location & Zoning

Old Parcel Number	02109108
Street Address	860 11TH ST
City	ARCATA
State	CA
Zip	95521-5853
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-MH
Legal Description	B233 /B5P81 M0283C TA K ADD-ARCAT 86C 600775C080586C 00000000 N
Legal Subdivision	ARCATA
Legal Block	233
Jurisdiction	HUMBOLDT CA
Township / Civil Division	ARCATA
Census Block Group	1
Census Block	1045
Census Tract	1001

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	860 11TH ST, ARCATA, CA 95521-5853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Jul 15, 2020	Loan Modification, Mortgage · Conventional Mortgage UMPQUA BK
Jun 2, 2020	Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit UMPQUA BK
Jul 20, 2017	Grant Deed, Transfer · FHA Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2017 · Amount on Record
Deed Sale	Jul 20, 2017 · Amount on Record
Prior Sale	Jun 18, 2015
Deed Document Number	2017-013226
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	860 11TH ST, ARCATA, CA 95521-5853
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 11TH ST, ARCATA, CA 95521-5853

Mortgage

Document Number	0000024696
Date	Nov 8, 2021
Instrument	2021-024696

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HUMBOLDT CA
Property Address	860 11TH ST, ARCATA, CA 95521-5853
Document Number	0000011954
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	HUMBOLDT LAND TITLE COMPANY, HUMBOLDT LAND TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	860 11TH ST ARCATA CA 955215853, ARCATA, CA 95521-5853

Mortgage

Document Number	0000011954
Date	Jul 20, 2020
Instrument	11954

Lender

Name	UMPQUA BK
Type	Bank
Address	ARCATA, CA 95521

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	860 11TH ST, ARCATA, CA 95521-5853
Document Number	0000009228
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	HUMBOLDT LAND TITLE COMPANY, HUMBOLDT LAND TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	860 11TH ST ARCATA CA 955215853, ARCATA, CA 95521-5853

Mortgage

Document Number	0000009228
Date	Jun 9, 2020
Instrument	9228

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMBOLDT CA
Property Address	860 11TH ST, ARCATA, CA 95521-5853
Document Number	0000000086
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	860 11TH ST ARCATA CA 955215853, ARCATA, CA 95521-5853

Mortgage

Document Number	0000000086
Date	Jan 3, 2020
Instrument	86

Lender

Name	UMPQUA BK
Type	Bank
Address	ARCATA, CA 95521

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HUMBOLDT CA
Recording Date	Jul 20, 2017
Property Address	860 11TH ST, ARCATA, CA 95521-5853
Document Number	0000013226
Map Reference	MB 5 PG 11
Instrument Date	Jun 13, 2017
Instrument	2017-013226
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	860 11TH ST, ARCATA, CA 95521-5853

Mortgage

Document Number	0000013227
Date	Jul 20, 2017
Instrument	2017-013227

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$7,239.00 (+3.38%) Homeowner's exemption	$625,801 (+4.04%) Land $170,671 Building $455,130
2023	$7,002.00 (-1.8%) Homeowner's exemption	$601,502 Land $164,045 Building $437,457
2022	$7,130.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF ARCATA serves 18,857 people · EPA ID CA1210001
Water Source	Purchased groundwater from HUMBOLDT BAY MWD
Last State Inspection	Nov 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	2,300 / 2,300
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
101Netlink Fixed Wireless	100 / 20

May also be available: T-Mobile.

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