402 & 404 Church St, Scotia, CA, 95565
About This Home
Do you have a vision and imagination? This would be a perfect opportunity to create that vision for the small community of Scotia. Scotia is a small bedroom community with 270 homes, the historic Scotia Lodge, a grocery store, post office and medical center. With the Scotia Lodge and the Winema Theatre soon to be available for use, this Church could be used for any number of a things. A Church again, an event space for weddings, memorials, wedding and baby showers, birthday/retirement/anniversary parties or even turned into apartments, a retirement community, office space, a school, pre-school, daycare or whatever you dream up. And you can live in the beautiful 3 bedroom, 2 bath home while you work on your vision
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1904
Materials
- Foundation: Pillar/Post/Pier
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Dryer Hookup,Washer Hookup
Bedrooms & Bathrooms
- Bathrooms: 4
Features
- Window features: Double Pane Windows
- Flooring: Vinyl,Wood
Heating
- Heating features: Forced Air
Interior Area
- Total structure area: 4,000
- Total interior livable area: 4,000 sqft
Property
Lot
- Lot size: 0.43 Acres
- Lot size dimensions: 116 x 160
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
- Inland Flooding
- Landslide
- Wildfire
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 | $2,755 | $33,060 |
| Home Insurance * | $316 | $3,792 |
| Property Taxes | $281 | $3,372 |
| Electricity | $857 | $10,292 |
| Total | $4,209 | $50,508 |
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 |
|---|---|---|
| 2026-08-10 | Price change | $475,000 |
| 2026-06-08 | Listed for sale | $545,000 |
View on Zillow