431 Brook Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 431 Brook Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,660 sqft · built 1961
Lot Size	0.327 acres (14,244 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2010)
Tax Bill	$4,979 (2025)
Deeds & Mortgages	Nov 2023 Transfer Jan 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084-204-03`

Property Details

APN / Parcel Number

Primary APN	`084-204-03`
Alternative APN	`084-204-03-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,660 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	14,244 sqft (0.327 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	617 sqft
Patio Area	617 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	431 BROOK DR
City	BOULDER CREEK
State	CA
Zip	95006-9782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2000
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	431 BROOK DR, BOULDER CREEK, CA 95006-9782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Intrafamily Transfer, Transfer
Jan 31, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2010 · Amount on Record
Deed Sale	Jul 30, 2010 · Amount on Record
Prior Sale	Dec 22, 2009 · Amount on Record
Deed Document Number	201029574
Last Transfer Date	Nov 3, 2023
Transfer Doc	0000022856
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 29, 2023
Property Address	431 BROOK DR, BOULDER CREEK, CA 95006-9782
Document Number	0000022856
Instrument Date	Nov 3, 2023
Instrument	2023-0022856
Transaction Type	Transfer
Record Updated	Dec 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	431 BROOK DR, BOULDER CREEK, CA 95006-9782

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	431 BROOK DR, BOULDER CREEK, CA 95006-9782
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BROOK DR, BOULDER CREEK, CA 95006-9782

Mortgage

Document Number	0000003162
Date	Jan 31, 2022
Instrument	2022-0003162

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	431 BROOK DR, BOULDER CREEK, CA 95006-9782
Document Number	0000018453
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 BROOK DR BOULDER CREEK CA 950069782, BOULDER CREEK, CA 95006-9782

Mortgage

Document Number	0000018453
Date	Jul 3, 2019
Instrument	18453

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

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		$390,734 (+2%) Land $175,112 Building $215,622
2025	$4,979.00 (+5.22%)	$383,073 (+4.04%) Land $171,678 Building $211,395
2024	$4,732.00 (+0.15%)
2023	$4,725.00 (+2.47%)	$368,197 Land $165,011 Building $203,186	$731,610
2022	$4,611.00

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	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	Severe Storms, Flooding, Mud And Landslides, Dec 1996 · 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 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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