Santa Cruz County property record for 190 Mesa Dr, Boulder Creek, CA 95006
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,620 sqft · built 1948 |
| Lot Size | 0.374 acres (16,291 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,687 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 089-162-20 |
| Primary APN | 089-162-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,620 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 16,291 sqft (0.374 acres) |
| Terrain | Steep |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 190 MESA DR |
|---|---|
| City | BOULDER CREEK |
| State | CA |
| Zip | 95006-9546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Description | TR 38 |
| Legal Subdivision | BEAR CRK KNOLLS |
| Legal Tract | 38 |
| Legal Lot Number | 4,5,1 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 120400 |
190 Mesa Dr is owner-occupied and held in a trust since September 2020.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 190 MESA DR, BOULDER CREEK, CA 95006-9546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 24, 2017 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jun 22, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 9, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 1, 2020 |
| Transfer Doc | 0000035300 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 190 MESA DR, BOULDER CREEK, CA 95006-9546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000013489 |
|---|---|
| Date | Apr 24, 2017 |
| Instrument | 2017-0013489 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 190 MESA DR, BOULDER CREEK, CA 95006-9546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000022029 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 2020-0022029 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 9, 2020 |
| Property Address | 190 MESA DR, BOULDER CREEK, CA 95006-9546 |
| Document Number | 0000035300 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 35300 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 190 MESA DR BOULDER CREEK CA 950069546, BOULDER CREEK, CA 95006-9546 |
The 2025 property tax bill for 190 Mesa Dr was $3,687 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $282,792 (+2%) Land $99,571 Building $183,221 | ||
| 2025 | $3,687.00 Homeowner's exemption | $277,247 Land $97,618 Building $179,629 | |
| 2023 | $3,468.00 (+2.57%) Homeowner's exemption | $266,482 Land $93,828 Building $172,654 | $834,120 |
| 2022 | $3,381.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 Mesa Dr 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1996–2017) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jan 2017 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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 risk around 190 Mesa Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Surfnet Communications, Verizon.
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