Humboldt County property record for 860 Howard St, Ferndale, CA 95536
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,266 sqft · built 1903 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $329,000 (May 2003) |
| Tax Bill | $5,802 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 030-202-006-000 |
| Primary APN | 030-202-006-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,266 sqft Living Area |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 5,500 sqft (0.126 acres) |
| Old Parcel Number | 03020206 |
|---|---|
| Street Address | 860 HOWARD ST |
| City | FERNDALE |
| State | CA |
| Zip | 95536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 8 BLK 2 TROST'S DIV BK/MAPS 8 PG 14 |
| Legal Subdivision | TROSTS DIVISION |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | HUMBOLDT CA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 11200 |
860 Howard St is owner-occupied and held in a trust since May 2025.
Source: Humboldt County records, as of October 13, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 1444, FERNDALE, CA 95536-1444 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary 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 | 3 Names on Deed |
|---|---|
| Last Sale | May 6, 2003 · Amount on File |
| Deed Sale | May 6, 2003 · Amount on File |
| Prior Sale | May 22, 2025 |
| Deed Document Number | 0000016500 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMBOLDT CA |
| Property Address | 860 HOWARD ST, FERNDALE, CA 95536 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 860 HOWARD ST, FERNDALE, CA 95536 |
| Document Number | 0000008553 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 2021-008553 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 860 Howard St was $5,802 with a homeowner's exemption.
Source: Humboldt County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | Humboldt County |
| Municipality | Ferndale City |
| Unified School District | Ferndale Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,802.00 Homeowner's exemption | $476,480 Land $86,889 Building $389,591 |
| 2023 | $5,440.00 (+15.18%) Homeowner's exemption | $385,000 Land $77,000 Building $308,000 |
| 2022 | $4,723.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 860 Howard 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 |
| Flood Insurance Cost | Premium on File median of 33 policies |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 4 (1996–2015) |
| Most Recent Claim | Feb 2015 · river or lake flooding |
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 860 Howard St is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.07% 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 | DEL ORO WATER CO-FERNDALE private · serves 1,662 people · EPA ID CA1210007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2022–2024) 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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| 101Netlink Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Verizon.
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