245 Ridge Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 245 Ridge Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,134 sqft · built 1941
Lot Size	0.274 acres (11,935 sqft)
Owner	Individual Name on File
Last Sale	$755,000 (May 2023)
Tax Bill	$9,671 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`082-034-06`

Property Details

APN / Parcel Number

Primary APN	`082-034-06`
Alternative APN	`082-034-06-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,134 sqft Living Area
Gross Area	1,638 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1980
Construction Type	Wood
Lot Area	11,935 sqft (0.274 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	245 sqft
Patio Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic

Location & Zoning

Street Address	245 RIDGE DR
City	BOULDER CREEK
State	CA
Zip	95006-8303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	FOREST PT
Legal Block	27
Legal Lot Number	6,7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1012
Census Tract	120400

Owner

245 Ridge Dr is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG
Dec 28, 2018	Quit Claim Deed, Transfer JG WENTWORTH HM LNDG
Dec 28, 2018	Grant Deed, Transfer · Conventional with PMI JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2023 · Amount on File
Deed Sale	May 23, 2023 · Amount on File
Prior Sale	Dec 28, 2018 · Amount on File
Deed Document Number	20239082
Prior Transfer Date	Sep 8, 2000
Prior Transfer Doc	0000060118
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 23, 2023
Property Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Document Number	0000009082
Map Reference	MB 25 PG 36
Instrument Date	May 16, 2023
Instrument	2023-0009082
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303

Mortgage

Document Number	0000009083
Date	May 23, 2023
Instrument	2023-0009083

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010973
Date	Apr 1, 2020
Instrument	2020-0010973

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303

Mortgage

Document Number	0000041419
Date	Aug 6, 2021
Instrument	2021-0041419

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Document Number	0000016123
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 698 ANGELS CAMP CA 952220698, ANGELS CAMP, CA 95222-0698

Mortgage

Document Number	0000016123
Date	Jun 12, 2019
Instrument	16123

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 28, 2018
Property Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Document Number	0000038736
Instrument Date	Dec 27, 2018
Instrument	38736
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 698 ANLS CAMP CA 95131, ANLS CAMP, CA 95131

Mortgage

Document Number	38737
Date	Dec 28, 2018
Instrument	38737

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2048

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 28, 2018
Property Address	245 RIDGE DR, BOULDER CREEK, CA 95006-8303
Document Number	0000038735
Instrument Date	Dec 26, 2018
Instrument	38735
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 698 ANGELS CAMP CA 952220698, ANGELS CAMP, CA 95222-0698

Mortgage

Document Number	38737
Date	Dec 28, 2018
Instrument	38737

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 245 Ridge Dr was $9,671.

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	Assessed Market Value
2026		$801,212 (+2%) Land $520,788 Building $280,424
2025	$9,671.00	$785,502 Land $510,576 Building $274,926
2023	$6,524.00 (+2.4%)	$516,802 Land $407,437 Building $109,365	$660,600
2022	$6,371.00

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

Flood

FEMA maps place 245 Ridge Dr in Zone X, an area of minimal flood risk, though there have been 48 flood claims nearby since 1980.

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 File median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	48 (1980–2023)
Claims Outside the SFHA	7 of 48
Most Recent Claim	Jun 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms And Flooding, Mar 1998 · 19 claims Severe Storms & Flooding, Feb 1986 · 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

Wildfire risk around 245 Ridge Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	0.05% annual chance
Exposure	Direct 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 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Dr

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