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290 Moonlight Meadows Rd, Whitethorn, CA, 95589

3beds
2baths
2,000sqft
$590,000
$295price/sqft
$4,255/moest. monthly cost
$170,200/yrincome needed

About This Home

Tucked into the redwoods of Moonlight Meadows, this A-frame sits at the end of the road on approximately 56± acres across three parcels, with direct frontage along the Mattole River. The setting is quiet and established, with a natural clearing around the home and trails that lead down through the trees toward the water. The river can be heard from parts of the property, adding to the overall sense of place. Inside, the home offers a functional layout with 3 bedrooms and 2 bathrooms, warm wood finishes, and large windows that bring in natural light throughout the day. An open living area connects to the deck, creating an easy transition between indoor and outdoor space. Recent updates include new flooring, exterior paint, roof, insulation, and ongoing improvements. The land off mix of open space and forest. Two year-round springs run side by side. A detached garage and chicken coop add additional utility. Located in the Whitethorn Valley, surrounded by redwoods and set along the Mattole River, this is a solid Southern Humboldt property with space, privacy, and a strong connection to the land.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin/A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer,Dryer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Cathedral/Vault,Ceiling Fan(s)
  • Flooring: Hardwood
  • Fireplace: Yes

Heating

  • Heating features: Forced Air,Wood Stove

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Property

Details

  • Parcel number: 215271007000

Features

  • Patio & porch: Deck,Patio,Porch
  • Fencing: Partial
  • Has view: Yes
  • View description: Hills,Pasture,River,Valley,Trees/Woods,Mountain(s)
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 56 Acres
  • Features: Flat,Open Lot,Pasture,Wooded
  • Lot size dimensions: 0 x 0 x 0

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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
    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 $2,983$35,796
Home Insurance *$281$3,372
Property Taxes $563$6,756
Electricity $428$5,146
Total$4,255$51,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,885/yr
40% on housing$127,650/yr
45% on housing$113,466/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

$295This listing

vs Other Active Listings

Avg $/sqft

ZIP 95589$232
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
2026-05-02Listed for sale$625,000

For Sale by Agent

AgentDesiree Avila
BrokerageEXP Realty of Northern California, Inc

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