Santa Cruz County property record for 485 Bernstein Dr, Boulder Creek, CA 95006
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,576 sqft · built 1984 |
| Lot Size | 0.441 acres (19,210 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $660,500 (Oct 2014) |
| Tax Bill | $9,684 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-043-01 |
| Primary APN | 085-043-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,576 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 19,210 sqft (0.441 acres) |
| Terrain | Steep |
| Deck Area | 1,279 sqft |
| Patio Area | 1,279 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 485 BERNSTEIN DR |
|---|---|
| City | BOULDER CREEK |
| State | CA |
| Zip | 95006-9033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Description | LOT 106 |
| Legal Subdivision | RIVERSIDE GROVE 01 |
| Legal Lot Number | 106 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 120500 |
485 Bernstein Dr is owned and occupied by two individuals who bought it in October 2014.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 485 BERNSTEIN DR, BOULDER CREEK, CA 95006-9033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2014 · Amount on File |
| Deed Sale | Oct 29, 2014 · Amount on File |
| Prior Sale | Aug 22, 2011 · Amount on File |
| Deed Document Number | 201436234 |
| Prior Transfer Date | Apr 3, 2002 |
| Prior Transfer Doc | 0000029652 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 485 BERNSTEIN DR, BOULDER CREEK, CA 95006-9033 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 485 BERNSTEIN DR, BOULDER CREEK, CA 95006-9033 |
| Document Number | 0000039609 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021-0039609 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 485 BERNSTEIN DR, BOULDER CREEK, CA 95006-9033 |
| Document Number | 0000019151 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 485 BERNSTEIN DR BOULDER CREEK CA 950069033, BOULDER CREEK, CA 95006-9033 |
| Document Number | 0000019151 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 19151 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 2, 2040 |
The 2025 property tax bill for 485 Bernstein Dr was $9,684.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $809,576 (+2%) Land $445,267 Building $364,309 | ||
| 2025 | $9,684.00 | $793,702 Land $436,536 Building $357,166 | |
| 2023 | $9,290.00 (+2.4%) | $762,882 Land $419,585 Building $343,297 | $883,980 |
| 2022 | $9,072.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 485 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 risk around 485 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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