The Equity difference between him having a set and a flopped straight is minimal. If we put him on a nut range our equity is around 40%. Without doing the calculations this is an easy fold assuming our E estimate is correct.

Pot: 4.02 USD
Call: 3.5 USD

Win: 4.02*0.4= 1.608 USD
Lose: 3.5*0.6= 2.1 USD
Profit per decision: -0.49 USD

This decision cost you around 10 bb assuming your range is correct.

But in the heat of the moment no one will blame you for making the call. I would have called because I do not have HUD and can not assign such a narrow range.

Interesting spot which highlights the importance of marginal decisions.