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470 E California Ave, Arcata, CA, 95521

5beds
3.5baths
3,516sqft
$949,000
$270price/sqft
$6,370/moest. monthly cost
$254,800/yrincome needed

About This Home

Location, sunshine, and a highly desirable neighborhood come together in this exceptional custom home in Arcata, thoughtfully built by respected local builder Gregory K. Bish. Known for his ''Custom by Design'' craftsmanship, the quality and creativity of his work are evident throughout every room and architectural angle of this one-of-a-kind residence. Set on just over half an acre near the top of East California Avenue, the property enjoys abundant natural light and stunning views from the many well-placed windows throughout the home. The sunny location is ideal for the owned solar system, Tesla Powerwall, and electric rapid car charging setup. Designed with flexibility and comfort in mind, this spacious home offers 5 bedrooms, 3.5 bathrooms, a separate laundry room, NEW ROOF and an attached triple car garage. The versatile floor plan easily accommodates a large household, multi-generational living, or extended guest stays. If you are searching for a truly unique property with quality craftsmanship, privacy, and the feeling of a personal sanctuary, this is a must-see home.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Arcata Elementary SchoolGrades K-50.9 mi
6/10
Sunny Brae Middle SchoolGrades 6-81.6 mi
9/10
Arcata High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3.5

Features

  • Cathedral/Vault,Ceiling Fan(s)
  • Window features: Skylight(s),Skylight/Solar Tube
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Natural Gas,Other

Interior Area

  • Total structure area: 3,516
  • Total interior livable area: 3,516 sqft

Property

Details

  • Zoning: No

Features

  • Levels: Three Or More
  • Patio & porch: Deck
  • Fencing: Partial
  • Has view: Yes
  • View description: Bay,Panoramic
  • Has water view: Yes
  • Water view: Bay

Lot

  • Lot size: 0.54 Acres
  • Features: Flat,Wooded
  • Lot size dimensions: 154.6 x 132.65 x 90 x irr

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Direct Access,Electric Vehicle Charging Station(s)
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide
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 $4,798$57,576
Home Insurance *$329$3,948
Property Taxes $490$5,880
Electricity $753$9,047
Total$6,370$76,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$218,400/yr
40% on housing$191,100/yr
45% on housing$169,866/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

$270This 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
2026-07-08Price change$949,000
2026-05-21Listed for sale$999,000
2018-09-07Sold$672,000
2018-07-11Listed for sale$675,000
2018-06-08Pending sale$675,000
2018-06-01Listed for sale$675,000

For Sale by Agent

AgentJoanie Frederick
BrokerageAzalea Realty

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