231 River St, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 231 River St, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,834 sqft · built 1906
Lot Size	0.895 acres (38,986 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jun 2004)
Tax Bill	$9,651 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`081-281-11`

Property Details

APN / Parcel Number

Primary APN	`081-281-11`
Alternative APN	`081-281-11-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,834 sqft Living Area
Gross Area	2,254 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	38,986 sqft (0.895 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	563 sqft
Patio Area	563 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	231 RIVER ST
City	BOULDER CREEK
State	CA
Zip	95006-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-32
Legal Description	TWP 09S RGE 02W SEC 30
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	4
Census Block	4002
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 Individual Names on Record
Mailing Address	231 RIVER ST, BOULDER CREEK, CA 95006-9108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2004 · Amount on Record
Deed Sale	Jun 3, 2004 · Amount on Record
Prior Sale	Sep 24, 1998 · Amount on Record
Deed Document Number	200439924
Last Transfer Date	Jan 28, 2005
Transfer Doc	0000008001
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 RIVER ST, BOULDER CREEK, CA 95006-9108
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 RIVER ST, BOULDER CREEK, CA 95006-9108

Mortgage

Document Number	0000058401
Date	Nov 30, 2021
Instrument	2021-0058401

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 RIVER ST, BOULDER CREEK, CA 95006-9108
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 RIVER ST, BOULDER CREEK, CA 95006-9108

Mortgage

Document Number	0000014267
Date	Mar 10, 2021
Instrument	2021-0014267

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	231 RIVER ST, BOULDER CREEK, CA 95006-9108
Document Number	0000015213
Instrument Date	May 3, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	231 RIVER ST BOULDER CREEK CA 950069108, BOULDER CREEK, CA 95006-9108

Mortgage

Document Number	0000015213
Date	May 9, 2017
Instrument	15213

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

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		$797,629 (+2%) Land $391,563 Building $406,066
2025	$9,651.00 (+4.23%) Homeowner's exemption	$781,989 (+4.04%) Land $383,885 Building $398,104
2023	$9,259.00 (+2.39%) Homeowner's exemption	$751,623 Land $368,978 Building $382,645
2022	$9,043.00

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	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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