475 Memory Ln, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 475 Memory Ln, Boulder Creek, CA 95006

Property Summary

Property Type	Recreational Vacant Land
Details	1 bd · 1 ba · 3,250 sqft · built 2018
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Company Names on Record
Last Sale	$875,000 (Aug 2021)
Tax Bill	$11,393 (2025)
Deeds & Mortgages	Feb 2026 Transfer Aug 2021 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`086-071-61`

Property Details

APN / Parcel Number

Primary APN	`086-071-61`
Alternative APN	`086-071-61-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	1 Room
Building Area	3,250 sqft Gross Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	88,427 sqft
Garage Type	Attached
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces
Deck Area	105 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	475 MEMORY LN
City	BOULDER CREEK
State	CA
Zip	95006-9130
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1035
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 Company Names on Record
Mailing Address	2805 BUNKER CT, SAN JOSE, CA 95121-1629
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Intrafamily Transfer, Transfer
Aug 31, 2021	Grant Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Dec 31, 2018	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Dec 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Oct 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Aug 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
May 31, 2017	Intrafamily Transfer, Transfer · Construction Mortgage SANTA CRUZ COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Nov 7, 2000 · Amount on Record
Deed Document Number	202144975
Prior Transfer Date	May 22, 2017
Prior Transfer Doc	0000017664
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 17, 2026
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Document Number	0000003483
Instrument Date	Feb 2, 2026
Instrument	2026-0003483
Transaction Type	Transfer
Record Updated	Mar 5, 2026

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	Family Trust
Address	2805 BUNKER CT, SAN JOSE, CA 95121-1629
Investor	Possibly a Property Investor

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2021
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Document Number	0000044975
Instrument Date	Aug 27, 2021
Instrument	2021-0044975
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 KINGSTON CT, LOS ALTOS, CA 94024-5826

Mortgage

Document Number	0000044976
Date	Aug 31, 2021
Instrument	2021-0044976

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038904
Date	Dec 31, 2018
Instrument	2018-0038904

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038903
Date	Dec 31, 2018
Instrument	2018-0038903

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035969
Date	Oct 25, 2017
Instrument	2017-0035969

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014568
Date	May 30, 2019
Instrument	2019-0014568

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SAN JOSE, CA 95110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022663
Date	Aug 7, 2019
Instrument	2019-0022663

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130

Mortgage

Document Number	0000041970
Date	Oct 15, 2020
Instrument	2020-0041970

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

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

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 31, 2017
Property Address	475 MEMORY LN, BOULDER CREEK, CA 95006-9130
Document Number	0000017664
Instrument Date	May 22, 2017
Instrument	2017-0017664
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	119 S 2ND ST, CAMPBELL, CA 95008-2925

Mortgage

Document Number	0000017665
Date	May 31, 2017
Instrument	2017-0017665

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$947,128 (+2%) Land $703,581 Building $243,547
2025	$11,393.00 (+6.47%)	$928,557 (+4.04%) Land $689,785 Building $238,772
2023	$10,701.00 (+2.26%)	$892,500 Land $663,000 Building $229,500	$727,020
2022	$10,464.00

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 40% of the US · lower than 76% 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	BIG BASIN WATER COMPANY private · serves 1,120 people · EPA ID CA4410001
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	12 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 55 locations within half a mile, as of December 31, 2025

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

May also be available: Ridge Wireless, T-Mobile, Verizon.

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