255 Harmon St, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 255 Harmon St, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 673 sqft · built 1920
Lot Size	0.195 acres (8,494 sqft)
Owner	Individual Name on Record
Last Sale	$620,000 (Feb 2021)
Tax Bill	$8,204 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jan 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081-341-02`

Property Details

APN / Parcel Number

Primary APN	`081-341-02`
Alternative APN	`081-341-02-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	673 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,494 sqft (0.195 acres)
Garage Type	Carport
Garage Area	160 sqft
Carport	Carport
Carport Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	255 HARMON ST
City	BOULDER CREEK
State	CA
Zip	95006-9102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MALCOLM ENSLIE MCLEOD
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3007
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	Individual Name on Record
Mailing Address	255 HARMON ST, BOULDER CREEK, CA 95006-9102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Grant Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Jan 3, 2018	Grant Deed, Transfer · VA Mortgage STEARNS LNDG
Mar 16, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN
Mar 16, 2017	Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2021 · Amount on Record
Deed Sale	Feb 5, 2021 · Amount on Record
Prior Sale	Jan 3, 2018 · Amount on Record
Deed Document Number	20217151
Prior Transfer Date	Mar 15, 2008
Prior Transfer Doc	0000042701
Record Updated	Sep 20, 2026

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 5, 2021
Property Address	255 HARMON ST, BOULDER CREEK, CA 95006-9102
Document Number	0000007151
Map Reference	VOL 220 PG 373
Instrument Date	Jan 22, 2021
Instrument	2021-0007151
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	255 HARMON ST, BOULDER CREEK, CA 95006-9102
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007152
Date	Feb 5, 2021
Instrument	2021-0007152

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

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

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 3, 2018
Property Address	255 HARMON ST, BOULDER CREEK, CA 95006-9102
Document Number	0000000258
Instrument Date	Dec 18, 2017
Instrument	258
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 HARMON ST BOULDER CREEK CA 950069102, BOULDER CREEK, CA 95006-9102

Mortgage

Document Number	259
Date	Jan 3, 2018
Instrument	259

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 16, 2017
Property Address	255 HARMON ST, BOULDER CREEK, CA 95006-9102
Document Number	0000009013
Instrument Date	Mar 10, 2017
Instrument	9013
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Tax	$254.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	255 HARMON ST BOULDER CREEK CA 950069102, BOULDER CREEK, CA 95006-9102

March 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 16, 2017
Property Address	255 HARMON ST, BOULDER CREEK, CA 95006-9102
Document Number	0000009012
Instrument Date	Mar 10, 2017
Instrument	9012
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 CHOCTAW DR SAN JOSE CA 951234713, SAN JOSE, CA 95123-4713

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	Assessed Market Value
2026		$684,531 (+2%) Land $513,398 Building $171,133
2025	$8,204.00 (+4.5%) Homeowner's exemption	$671,108 (+4.04%) Land $503,331 Building $167,777
2023	$7,851.00 (+2.44%) Homeowner's exemption	$645,048 Land $483,786 Building $161,262	$596,340
2022	$7,664.00

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

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 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	18 (1982–2023)
Claims Outside the SFHA	12 of 18
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms And Flooding, Feb 1998 · 5 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 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% 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 230 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 and 4G LTE (outdoors only)

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