434 River Rd, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 434 River Rd, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,280 sqft · built 1926
Lot Size	0.586 acres (25,526 sqft)
Owner	2 Individual Names on Record
Last Sale	$815,000 (Mar 2022)
Tax Bill	$10,500 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`083-042-11`

Property Details

APN / Parcel Number

Primary APN	`083-042-11`
Alternative APN	`083-042-11-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	2,280 sqft Living Area
Gross Area	2,852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	25,526 sqft (0.586 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	291 sqft
Patio Area	291 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	434 RIVER RD
City	BOULDER CREEK
State	CA
Zip	95006-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	BLK 9 LOT 2 -6
Legal Subdivision	WILDWOOD 01
Legal Block	9
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1001
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	434 RIVER RD, BOULDER CREEK, CA 95006-9745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 25, 2021	Intrafamily Transfer, Transfer · VA Mortgage QUICKEN LOANS LLC
Jul 8, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Aug 25, 2021
Deed Document Number	20228281
Prior Transfer Date	Jan 8, 2021
Prior Transfer Doc	0000044188
Record Updated	Sep 20, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 14, 2022
Property Address	434 RIVER RD, BOULDER CREEK, CA 95006-9745
Document Number	0000008281
Map Reference	MB 17 PG 3
Instrument Date	Mar 9, 2022
Instrument	2022-0008281
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$896.50
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
Address	434 RIVER RD, BOULDER CREEK, CA 95006-9745

Mortgage

Document Number	0000008282
Date	Mar 14, 2022
Instrument	2022-0008282

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 25, 2021
Property Address	434 RIVER RD, BOULDER CREEK, CA 95006-9745
Document Number	0000044188
Map Reference	MB 17 PG 3
Instrument Date	Jan 8, 2021
Instrument	2021-0044188
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	434 RIVER RD, BOULDER CREEK, CA 95006-9745

Mortgage

Document Number	0000044189
Date	Aug 25, 2021
Instrument	2021-0044189

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 8, 2019
Property Address	434 RIVER RD, BOULDER CREEK, CA 95006-9745
Document Number	0000018809
Instrument Date	Jul 3, 2019
Instrument	18809
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	434 RIVER DR BOULDER CREEK CA 95006, BOULDER CREEK, CA 95006

Mortgage

Document Number	18810
Date	Jul 8, 2019
Instrument	18810

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 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		$882,182 (+2%) Land $595,338 Building $286,844
2025	$10,500.00 (+4.16%)	$864,884 (+4.04%) Land $583,664 Building $281,220
2023	$10,081.00 (+11.96%)	$831,300 Land $561,000 Building $270,300	$777,600
2022	$9,004.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ridge Wireless, Verizon.

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