170 Waterman Gap Loop, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 170 Waterman Gap Loop, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 956 sqft · built 2003
Lot Size	6.46 acres (281,703 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Oct 2021)
Tax Bill	$10,548 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jul 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`087-261-02`

Property Details

APN / Parcel Number

Primary APN	`087-261-02`
Alternative APN	`087-261-02-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	956 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	281,703 sqft
Terrain	Steep
Deck Area	412 sqft
Patio Area	412 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	170 WATERMAN GAP LOOP
City	BOULDER CREEK
State	CA
Zip	95006-9091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1027
Census Tract	120500

Owner

Source: Santa Cruz County assessment roll, 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 Individual Names on File
Mailing Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Intrafamily Transfer, Transfer
Jul 27, 2023	Intrafamily Transfer, Transfer
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 7, 2021	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CA INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	202150894
Last Transfer Date	Jul 26, 2023
Transfer Doc	0000013829
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2023
Property Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Document Number	0000013830
Instrument Date	Jul 26, 2023
Instrument	2023-0013830
Transaction Type	Transfer
Record Updated	Aug 9, 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	Family Trust
Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2023
Property Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Document Number	0000013829
Instrument Date	Jul 26, 2023
Instrument	2023-0013829
Transaction Type	Transfer
Record Updated	Aug 9, 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	Community Property
Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091

Mortgage

Document Number	0000056545
Date	Nov 16, 2021
Instrument	2021-0056545

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 7, 2021
Property Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Document Number	0000050894
Map Reference	MB 271 PG 230
Instrument Date	Oct 1, 2021
Instrument	2021-0050894
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Tax	$423.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	170 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091

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		$860,533 (+2%) Land $662,448 Building $198,085
2025	$10,548.00 (+4.3%) Homeowner's exemption	$843,660 (+4.04%) Land $649,459 Building $194,201
2023	$10,113.00 (+2.34%) Homeowner's exemption	$810,900 (+2%) Land $624,240 Building $186,660
2022	$9,882.00 Homeowner's exemption	$795,000 Land $612,000 Building $183,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2016–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Ridge Wireless, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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