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12895 Irwin Way, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 12895 Irwin Way, Boulder Creek, CA 95006

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,172 sqft · built 1938
Lot Size0.297 acres (12,937 sqft)
Owner2 Individual Names on File
Last Sale$429,000 (Sep 2003)
Tax Bill$7,494 (2025)
Deeds & MortgagesJan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN081-231-04

Property Details

APN / Parcel Number

Primary APN081-231-04
Alternative APN
  • 081-231-04-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,172 sqft Living Area
Gross Area1,968 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 1938
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area12,937 sqft (0.297 acres)
TerrainSteep
Garage TypeAttached
Garage Area796 sqft
Parking Spaces3 Parking Spaces
Deck Area195 sqft
Patio Area195 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic

Location & Zoning

Street Address12895 IRWIN WAY
CityBOULDER CREEK
StateCA
Zip95006-9488
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-15
Legal SubdivisionRIVER GLEN
Legal BlockA
Legal Lot Number31-33
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSAN LORENZO VALLEY
Census Block Group4
Census Block4001
Census Tract120400

Owner

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

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

Owner of Record2 Individual Names on File
Mailing Address12895 IRWIN WAY, BOULDER CREEK, CA 95006-9488
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 4, 2003 · Amount on File
Deed SaleSep 4, 2003 · Amount on File
Deed Document Number200389378
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address12895 IRWIN WAY, BOULDER CREEK, CA 95006-9488
Transaction TypeMortgage
Record UpdatedJan 26, 2022
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address12895 IRWIN WAY, BOULDER CREEK, CA 95006-9488

Mortgage

Document Number0000000844
DateJan 10, 2022
Instrument2022-0000844
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueFeb 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictSan Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$621,351 (+2%) Land $372,810 Building $248,541
2025$7,494.00 (+4.64%) Homeowner's exemption$609,168 (+4.04%) Land $365,500 Building $243,668
2023$7,162.00 (+2.45%) Homeowner's exemption$585,513 Land $351,307 Building $234,206$688,770
2022$6,991.00

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims11 (1982–2023)
Claims Outside the SFHA4 of 11
Most Recent ClaimFeb 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 RiskModerate
above 40% of the US · lower than 76% of California
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemSAN LORENZO VALLEY WATER DIST
serves 21,513 people · EPA ID CA4410014
Water SourceSurface water
Last State InspectionApr 2025
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting1
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

ProviderMax 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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