398 Shadow Mountain Rd, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 398 Shadow Mountain Rd, Boulder Creek, CA 95006

Property Summary

Property Type	Recreational Vacant Land
Details	1 bd · 1 ba · 551 sqft · built 1975
Lot Size	2.26 acres (98,663 sqft)
Owner	Individual Name on Record
Last Sale	$495,000 (Oct 2020)
Tax Bill	$6,729 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`089-431-43`

Property Details

APN / Parcel Number

Primary APN	`089-431-43`
Alternative APNs	`089-431-43-000` `08943142000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	551 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	98,663 sqft
Terrain	Combination
View / Lot	Mountain
Deck Area	814 sqft
Patio Area	814 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	398 SHADOW MOUNTAIN RD
City	BOULDER CREEK
State	CA
Zip	95006-8659
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3036
Census Tract	120500

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	PO BOX 441, BOULDER CREEK, CA 95006-0441
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Grant Deed, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Sep 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Prior Sale	Dec 6, 2005 · Amount on Record
Deed Document Number	202042798
Prior Transfer Date	Mar 30, 2001
Prior Transfer Doc	0000023217
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 21, 2020
Property Address	398 SHADOW MOUNTAIN RD, BOULDER CREEK, CA 95006-8659
Document Number	0000042798
Map Reference	VOL 43 PG 14
Instrument Date	Sep 26, 2020
Instrument	2020-0042798
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Community Property with Right of Survivorship
Address	398 SHADOW MOUNTAIN RD, BOULDER CREEK, CA 95006-8659

Mortgage

Document Number	0000042799
Date	Oct 21, 2020
Instrument	2020-0042799

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	398 SHADOW MOUNTAIN RD, BOULDER CREEK, CA 95006-8659
Document Number	0000030428
Instrument Date	Sep 7, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 SHADOW MOUNTAIN RD BOULDER CREEK CA 950068659, BOULDER CREEK, CA 95006-8659

Mortgage

Document Number	0000030428
Date	Sep 13, 2017
Instrument	30428

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 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	Assessed Market Value
2026		$546,520 (+2%) Land $441,632 Building $104,888
2025	$6,729.00 (+4.76%)	$535,804 (+4.04%) Land $432,973 Building $102,831
2023	$6,423.00 (+2.44%)	$514,998 Land $416,160 Building $98,838	$501,030
2022	$6,270.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	18 (1982–2000)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Feb 2000 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 9 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
Ridge Wireless Fixed Wireless	60 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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