445 Sylvan Ave, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 445 Sylvan Ave, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,269 sqft · built 1991
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (Sep 2019)
Tax Bill	$9,157 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`087-104-10`

Property Details

APN / Parcel Number

Primary APN	`087-104-10`
Alternative APN	`087-104-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,269 sqft Living Area
Gross Area	2,534 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	265 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	445 SYLVAN AVE
City	BOULDER CREEK
State	CA
Zip	95006-9042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	BLK 17 LOT 11
Legal Subdivision	SAN LORENZO PARK
Legal Block	17
Legal Lot Number	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1010
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	2 Individual Names on Record
Mailing Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 21, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 20, 2019	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 28, 2017	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	201928539
Prior Transfer Date	Dec 4, 2003
Prior Transfer Doc	0000125231
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042

Mortgage

Document Number	0000013052
Date	Apr 25, 2022
Instrument	2022-0013052

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	RADIAN SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042

Mortgage

Document Number	0000012098
Date	Apr 14, 2022
Instrument	2022-0012098

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042

Mortgage

Document Number	0000055490
Date	Dec 21, 2020
Instrument	2020-0055490

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 20, 2019
Property Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042
Document Number	0000028539
Map Reference	MB 25 PG 19
Instrument Date	Sep 15, 2019
Instrument	2019-0028539
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	LAWYERS TITLE

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	Joint Tenants
Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042

Mortgage

Document Number	0000028540
Date	Sep 20, 2019
Instrument	2019-0028540

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 28, 2017
Property Address	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042
Document Number	0000032356
Map Reference	MB25 PG19
Instrument Date	Sep 26, 2017
Instrument	2017-0032356
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
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	445 SYLVAN AVE, BOULDER CREEK, CA 95006-9042

Mortgage

Document Number	0000032357
Date	Sep 28, 2017
Instrument	2017-0032357

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 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		$747,398 (+2%) Land $381,173 Building $366,225
2025	$9,157.00 (+4.31%)	$732,743 (+4.04%) Land $373,699 Building $359,044
2023	$8,779.00 (+2.36%)	$704,288 Land $359,187 Building $345,101	$695,790
2022	$8,577.00

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 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (2016–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 47% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Surfnet Communications, Verizon.

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