12475 Irwin Way, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 12475 Irwin Way, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft
Lot Size	1.04 acres (45,346 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,852 (2025)
Deeds & Mortgages	Mar 2021 Transfer Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-111-15`

Property Details

APN / Parcel Number

Primary APN	`090-111-15`
Alternative APN	`090-111-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,848 sqft Living Area
Gross Area	2,248 sqft

Exterior

Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	45,346 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	337 sqft
Patio Area	337 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	12511 IRWIN WAY
City	BOULDER CREEK
State	CA
Zip	95006-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	CLIFFWOOD HEIGHTS
Legal Lot Number	120
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	4
Census Block	4014
Census Tract	120400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	12511 IRWIN WAY, BOULDER CREEK, CA 95006-9428
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Mar 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 17, 2021
Transfer Doc	0000017193
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 25, 2021
Property Address	12511 IRWIN WAY, BOULDER CREEK, CA 95006-9428
Document Number	0000017195
Instrument Date	Mar 17, 2021
Instrument	2021-0017195
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

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	Family Trust
Address	12511 IRWIN WAY, BOULDER CREEK, CA 95006-9428

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 25, 2021
Property Address	12511 IRWIN WAY, BOULDER CREEK, CA 95006-9428
Document Number	0000017193
Instrument Date	Mar 17, 2021
Instrument	2021-0017193
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

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	Joint Tenants
Address	12511 IRWIN WAY, BOULDER CREEK, CA 95006-9428

Mortgage

Document Number	0000017194
Date	Mar 25, 2021
Instrument	2021-0017194

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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
2026		$281,948 (+2%) Land $79,662 Building $202,286
2025	$3,852.00 (+6.03%) Homeowner's exemption	$276,418 (+4.04%) Land $78,100 Building $198,318
2023	$3,633.00 (+2.45%) Homeowner's exemption	$265,684 Land $75,066 Building $190,618
2022	$3,546.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1982–2023)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Feb 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 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

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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