450 Bernstein Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 450 Bernstein Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1937
Lot Size	0.529 acres (23,043 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Mar 2012)
Tax Bill	$6,707 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`085-042-14`

Property Details

APN / Parcel Number

Primary APN	`085-042-14`
Alternative APN	`085-042-14-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,592 sqft Living Area
Gross Area	2,722 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	23,043 sqft (0.529 acres)
Garage Type	Attached
Garage Area	1,130 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	450 BERNSTEIN DR
City	BOULDER CREEK
State	CA
Zip	95006-9099
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	RIVERSIDE GROVE 01
Legal Lot Number	123
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1027
Census Tract	120500

Owner

450 Bernstein Dr is owned and occupied by two individuals who bought it in March 2012.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	450 BERNSTEIN DR, BOULDER CREEK, CA 95006-9099
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit STANFORD FCU
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2012 · Amount on File
Deed Sale	Mar 22, 2012 · Amount on File
Prior Sale	Oct 18, 2011 · Amount on File
Deed Document Number	201214063
Prior Transfer Date	Nov 26, 1997
Prior Transfer Doc	0000060291
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	450 BERNSTEIN DR, BOULDER CREEK, CA 95006-9099
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 BERNSTEIN DR, BOULDER CREEK, CA 95006-9099

Mortgage

Document Number	0000028000
Date	Oct 11, 2022
Instrument	2022-0028000

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	450 BERNSTEIN DR, BOULDER CREEK, CA 95006-9099
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 BERNSTEIN DR, BOULDER CREEK, CA 95006-9099

Mortgage

Document Number	0000030542
Date	Jun 2, 2021
Instrument	2021-0030542

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	450 BERNSTEIN DR, BOULDER CREEK, CA 95006-9099
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003401
Date	Jan 29, 2020
Instrument	2020-0003401

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 450 Bernstein Dr was $6,707.

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		$544,500 (+2%) Land $326,700 Building $217,800
2025	$6,707.00	$533,824 Land $320,294 Building $213,530
2023	$6,401.00 (+2.43%)	$513,096 Land $307,858 Building $205,238	$712,170
2022	$6,249.00

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

Flood

FEMA maps place 450 Bernstein Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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 File 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

Wildfire risk around 450 Bernstein Dr is moderate, ranking above 48% of the US, with a 0.09% annual chance of 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	0.09% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Surfnet Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bernstein Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures