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3186 Lucia Ave, Eureka, CA, 95503

4beds
3baths
2,800sqft
$615,000
$220price/sqft
$4,491/moest. monthly cost
$179,640/yrincome needed

About This Home

Nestled in an established neighborhood, this 1961 home sits on a spacious lot & showcases many original details that add to its unique charm. This home features generously sized rooms throughout, including two primary bedrooms that offer exceptional comfort and flexibility. One of the primary suites is especially impressive, measuring over 300 sq. ft & providing a true retreat-like atmosphere. It includes a large walk-in closet making it as functional as it is inviting. Ideal for multi-generational living or hosting guests, the dual primary layout adds both convenience & versatility, The possibilities are endless for those looking to modernize or restore. Enjoy the benefits of a large lot--perfect for outdoor living and gardening. Bring your vision & make this classic home your own.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
5/10
Winship MiddleGrades 6-81.1 mi
6/10
Eureka Senior High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1961

Materials

  • Foundation: Concrete Perimeter

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Washer,Dryer,Cooktop
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Features

  • Breakfast Bar
  • Flooring: Hardwood,Vinyl

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 017021027000

Features

  • Fencing: Full

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: irr

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Direct Access
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Humboldt County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,109$37,308
Home Insurance *$214$2,568
Property Taxes $568$6,816
Electricity $600$7,205
Total$4,491$53,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,977/yr
40% on housing$134,730/yr
45% on housing$119,760/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 95503$228
Humboldt County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 95503$293
Humboldt County$274

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-30Listed for sale$635,000

For Sale by Agent

AgentBetsy Thode
BrokerageCommunity Realty /bt

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