1060 Sawmill Rd, Garberville, CA

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1060 Sawmill Rd, Garberville, CA | HUDPRO

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HUDPRO Insight

What this property is

For shopping purposes, treat this as a very spacious 4-bedroom, 3-bath single family home with 2,070 sq ft on a acreage property built in 1981. Extra land can be an asset or a maintenance line item — confirm mowing, well/septic, and access easements before you underwrite rehab. Garberville, CA behaves like a more competitive submarket — tour early if owner-occupant priority applies.

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Financing & repairs

FHA status UI (uninsurable) usually means the property needs work before standard FHA insurance applies — many buyers route this through FHA 203(k) with a HUD-experienced lender, not a vanilla 203(b) assumption. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window.

What UI means for buyers HUD financing guide

Buyer competition & practicality

Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. At roughly 3 days on market, this is relatively fresh HUD inventory — competition can spike once photos and PCR circulate.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

👍 Looks like a good deal

Recently listed — worth a look

Days on Market3 days

Price TrendStable

Listing ActivityNew

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HUD Program Eligibility

$100 Down EligibleNo

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusUI (Uninsured)

HUD List Price

$244,000

4 bd · 3 ba · 2,070 sq ft

Built 1981 · Lot 25.76 ac

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Local Certified Home Inspector

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Humboldt County, CAHome inspector

Bid DateMon, Sep 7 • 11:59 PM CT

Buyer FitPhase: Owner Occupied · Uninsured

Property Snapshot4 bd / 3 ba · 2,070 sq ft

Financing203(k): Eligible

HUDPRO Buyer Report

Here's what we think
about this home.

1060 Sawmill Rd, Garberville CA 95542 · Listed $244,000

Valuation data not available

Complete HUDPRO valuation data is required before we show Real Deal™ verdicts or seals for this listing.

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Is This a Deal?

—

Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$1,547 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$1,488 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

2 days left

Bids due: Mon, Sep 7 (11:59 PM CT)

Homes like this move fast. Schedule a showing now.

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Buyer Eligibility

Owner-occupants only

Must be your primary residence for at least 12 months.

No investors during this period.

Recent Sold HUD Homes in This County

Archived HUD sales in Humboldt County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$118

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.