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2529 Baldwin St, Arcata, CA, 95521

5beds
3baths
2,319sqft
$649,900
$280price/sqft
$4,682/moest. monthly cost
$187,280/yrincome needed

About This Home

Don't miss your chance to own this spacious, newly renovated 5 bedroom 3 bath one-story ranch home in Arcata near schools, shopping, coffee shop, neighborhood park with playground area & gas stations. Over $100k in improvements & repairs featuring a new roof, new flooring, new paint, new lighting fixtures, new range hood, seamless gutters, landscaping & more. Spacious living room + a large family room with beautiful rustic natural wood, built-in shelves, open beams & decorative fireplace area. Home can also function as 2 separate living spaces with a 2bed ADU + a large separate bonus room in rear can be used as an art studio or guest quarters. The .21 acre lot gives lots of room to garden, play, and for animals + 2 storage sheds. Easy to show. Agents: Please use Trust Ad

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
91
BikeBiker's Paradise

Schools

4/10
Arcata Elementary SchoolGrades K-50.1 mi
6/10
Sunny Brae Middle SchoolGrades 6-82.1 mi
9/10
Arcata High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Concrete Perimeter

Type & Style

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

Interior

Appliances

  • Appliances included: Electric,Range Hood,Free-Standing Refrigerator,Cooktop
  • Laundry features: Dryer Hookup,Inside,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3

Features

  • Window features: Double Pane Windows,Skylight(s)
  • Flooring: Carpet,Vinyl

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,319
  • Total interior livable area: 2,319 sqft

Property

Details

  • Parcel number: 505032002000
  • Zoning: No

Features

  • Patio & porch: Porch
  • Exterior features: Garden
  • Fencing: Partial

Lot

  • Lot size: 9,147 sqft
  • Features: Flat
  • Lot size dimensions: 60 x 108 x 80 x 51 x 88

Parking

  • Parking features: Electric Vehicle Charging Station(s)

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 $3,286$39,432
Home Insurance *$225$2,700
Property Taxes $674$8,088
Electricity $497$5,967
Total$4,682$56,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,525/yr
40% on housing$140,460/yr
45% on housing$124,853/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

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 95521$450
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
2026-07-22Price change$649,900
2026-07-01Listed for sale$675,000

For Sale by Agent

AgentDon Chin
BrokerageCommunity Realty / dc

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