12995 Oak St, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 12995 Oak St, Boulder Creek, CA 95006 · Last verified August 2026

Property Summary

Property Type	Multi-Family Dwellings
Details	7 bd · 3 ba · 3,487 sqft · built 1912
Lot Size	0.699 acres (30,448 sqft)
Owner	Individual Name on File
Last Sale	$865,000 (Dec 2016)
Tax Bill	$12,329 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081-171-02`

Property Details

APN / Parcel Number

Primary APN	`081-171-02`
Alternative APN	`081-171-02-000`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Building Area	3,487 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Multi-Family
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	30,448 sqft (0.699 acres)
Terrain	Steep
Deck Area	676 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	12995 OAK ST
City	BOULDER CREEK
State	CA
Zip	95006-9156
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	BLK J LOT 4-6,12
Legal Subdivision	BOULDER CRK
Legal Block	J
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	4
Census Block	4030
Census Tract	120400

Owner

Source: Santa Cruz County records · APN 081-171-02

Assessment roll updated August 19, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	9610 GLEN ARBOR RD, BEN LOMOND, CA 95005-9633
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 22, 2016 · Amount on Record
Deed Sale	Dec 22, 2016 · Amount on Record
Prior Sale	Apr 16, 1999 · Amount on Record
Deed Document Number	201651233
Prior Transfer Date	Feb 20, 2002
Prior Transfer Doc	0000018513
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	12995 OAK ST, BOULDER CREEK, CA 95006-9156
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9610 GLEN ARBOR RD, BEN LOMOND, CA 95005-9633

Mortgage

Document Number	0000053154
Date	Oct 22, 2021
Instrument	2021-0053154

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$1,023,985 (+2%) Land $556,385 Building $467,600
2025	$12,329.00 (+3.93%)	$1,003,906 (+4.04%) Land $545,475 Building $458,431
2023	$11,863.00 (+2.35%)	$964,924 Land $524,294 Building $440,630
2022	$11,591.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871204004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force 13 of 13 on primary residences
Nearby Flood Claims	11 (1982–2023)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Feb 2023, rainfall accumulation, Severe Winter Storms And Mudslides
Flood Events	Severe Winter Storms And Flooding (Feb 1998), 3 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 24% of California
Wildfire Likelihood	About 1 in 1,695 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.