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745 15th St, Arcata, CA, 95521

2beds
2baths
1,130sqft
$459,000
$406price/sqft
$3,311/moest. monthly cost
$132,440/yrincome needed

About This Home

I am not apposed to getting a realtor or an Attorney. But I would rather find the buyer myself. After all who knows more about the place than me. So for right now , No realtors and no agents. Call me if interested. I Probably won't answer a text. Your gonna have to leave me a voicemail because the spammers and scammers are so bad. So the exterior has just been painted. The best thing about this place is it's location. Close to the College, close to the plaza, and close to banking, shopping and restaurants. It sits very high on the hill of northtown Aracta. It will never flood here. I don't think a Tsunami could ever get this high. I would be afraid to live, say down on 4th street. So the house has been set up with a separate studio apartment that rents for $800. But could easily go back to a 2 bed 2 bath house if you prefer. Just unbolt 1 door. And the house has another finished room, with gas heat, off of the garage as well, in the back. I just use it for storage but it has definite possibilities to rent to a student or whatever. There is a pretty long carport that I can fits my small car and trailer. There is a sewer cleanout right there if needed for an RV. There is a single car garage right behind the carport. The back yard is all fenced and very private. Most of the pics are of the studio apartment. The last 8 pics are of the kitchen in the main part of the house. Sorry about the quality of the pics.

Getting Around

93
WalkingWalker's Paradise
0
TransitVery Limited Transit
89
BikeVery Bikeable

Schools

4/10
Arcata Elementary SchoolGrades K-50.6 mi
6/10
Sunny Brae Middle SchoolGrades 6-81.5 mi
9/10
Arcata High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Composition

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Range / Oven

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet

Heating

  • Heating features: Gas

Interior Area

  • Total interior livable area: 1,130 sqft

Property

Details

  • Parcel number: 021095004000

Features

  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 3,920 sqft

Parking

  • Parking features: Carport,Garage - Attached

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
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 $2,320$27,840
Home Insurance *$159$1,908
Property Taxes $434$5,208
Electricity $398$4,786
Total$3,311$39,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,520/yr
40% on housing$99,330/yr
45% on housing$88,293/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

$406This listing

vs Other Active Listings

Avg $/sqft

ZIP 95521$451
Humboldt County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 95521$344
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
2025-12-21Price change$498,000
2025-11-12Price change$499,000
2025-10-23Price change$509,000
2025-10-06Price change$519,000
2025-09-10Price change$529,000
2025-08-20Listed for sale$549,000
2016-09-29Sold$240,000
2016-07-28Listed for sale$240,000

For Sale by Owner

AgentProperty Owner

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