12440 Irwin Way, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 12440 Irwin Way, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,134 sqft · built 1900
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Dec 2011)
Tax Bill	$5,384 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090-121-26`

Property Details

APN / Parcel Number

Primary APN	`090-121-26`
Alternative APN	`090-121-26-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,134 sqft Living Area
Gross Area	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	12440 IRWIN WAY
City	BOULDER CREEK
State	CA
Zip	95006-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1006
Census Tract	120301

Owner

12440 Irwin Way is owned and occupied by an individual who acquired it in October 2021.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	12440 IRWIN WAY, BOULDER CREEK, CA 95006-9461
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jan 12, 2022	Intrafamily Transfer, Transfer
Jul 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2011 · Amount on File
Deed Sale	Dec 23, 2011 · Amount on File
Deed Document Number	201154167
Last Transfer Date	Oct 19, 2021
Transfer Doc	0000001233
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	12440 IRWIN WAY, BOULDER CREEK, CA 95006-9461
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027701
Date	Aug 21, 2017
Instrument	2017-0027701

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2022
Property Address	12440 IRWIN WAY, BOULDER CREEK, CA 95006-9461
Document Number	0000001233
Instrument Date	Oct 19, 2021
Instrument	2022-0001233
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12440 IRWIN WAY, BOULDER CREEK, CA 95006-9461

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 18, 2019
Property Address	12440 IRWIN WAY, BOULDER CREEK, CA 95006-9461
Document Number	0000020155
Instrument Date	Sep 21, 2018
Instrument	20155
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12440 IRWIN WAY BOULDER CREEK CA 950069461, BOULDER CREEK, CA 95006-9461

Tax Assessment & Valuation

The 2025 property tax bill for 12440 Irwin Way was $5,384 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	San Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$435,601 (+2%) Land $244,705 Building $190,896
2025	$5,384.00 Homeowner's exemption	$427,060 Land $239,907 Building $187,153
2023	$5,115.00 (+2.48%) Homeowner's exemption	$410,476 Land $230,591 Building $179,885	$618,030
2022	$4,991.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12440 Irwin Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	20 (1980–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2017 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12440 Irwin Way is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAN LORENZO VALLEY WATER DIST serves 21,513 people · EPA ID CA4410014
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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