491 H St, Arcata, CA, 95521
About This Home
First time on the market, this lovingly cared for 1950's ranch has been in one family since it was built. Beautiful corner lot with mature trees and flowers on Jolly Giant Creek. Convenient location minutes to Cal Poly Humboldt, downtown Arcata, parks and Arcata Marsh trails. This home is zoned residential medium density and commercial general a rare find.
Getting Around
Very Walkable
Very Limited Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1953
Materials
- Foundation: Block,Concrete Perimeter
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric,None
- Laundry features: Dryer Hookup
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace: Yes
Heating
- Heating features: Electric,Natural Gas,Wall Furnace
Interior Area
- Total structure area: 1,474
- Total interior livable area: 1,474 sqft
Property
Features
- Patio & porch: Patio
- Exterior features: Garden
- Fencing: Full
Lot
- Lot size: 0.51 Acres
- Features: Greenbelt
- Lot size dimensions: 22,215
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
- Coastal Flooding
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Humboldt County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,927 | $35,124 |
| Home Insurance * | $200 | $2,400 |
| Property Taxes | $299 | $3,588 |
| Electricity | $398 | $4,786 |
| Total | $3,824 | $45,888 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Price change | $550,000 |
| 2026-07-29 | Price change | $579,000 |
| 2026-05-28 | Listed for sale | $619,000 |
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