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765 Upper Pacific Dr, Whitethorn, CA, 95589

1beds
2baths
1,214sqft
$399,000
$329price/sqft
$2,999/moest. monthly cost
$119,960/yrincome needed

About This Home

Just 600 feet from the ocean, this beautifully positioned 2-story home offers front-row seats to migrating whales and sweeping coastal views. Enjoy unforgettable sunsets from your deck or cozy interior spaces designed to capture the scenery. The upper level features a private primary suite with its own deck, en-suite bath, and comfortable sitting area--creating a peaceful retreat with ocean views. The main level offers an open living and dining area along with a functional kitchen featuring tile countertops & pantry. Laundry is located just outside near the downstairs bath. One car garage adds storage below the house. Ideally located near beaches, the lighthouse, golf course, landing strip and cafe's. Offered in conjunction with adjacent lot-see separate listing for 110 Albatr

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

--
Osprey Learning CenterGrades 9-1214.5 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Block,Concrete Perimeter

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop
  • Laundry features: Dryer Hookup,Inside,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2

Features

  • Tile Counters,Pantry
  • Window features: Double Pane Windows
  • Flooring: Carpet,Vinyl

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 1,214
  • Total interior livable area: 1,214 sqft

Property

Details

  • Parcel number: 109351036000

Features

  • Patio & porch: Deck,Porch
  • Exterior features: Garden
  • Fencing: Partial
  • Has view: Yes
  • View description: Ocean,Panoramic
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: x x

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
Tsunami
Wildfire

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 $2,017$24,204
Home Insurance *$190$2,280
Property Taxes $394$4,728
Electricity $398$4,786
Total$2,999$35,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,822/yr
40% on housing$89,970/yr
45% on housing$79,973/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

$329This listing

vs Other Active Listings

Avg $/sqft

ZIP 95589$241
Humboldt County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 95589$208
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
2026-04-07Listed for sale$399,000
2017-09-19Sold$335,000
2017-05-08Listed for sale$347,000
2005-06-08Sold$345,000

For Sale by Agent

AgentShannah Marenghi
BrokerageBlack Sands Realty

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