505 Bernstein Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 505 Bernstein Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 544 sqft · built 1957
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Jan 2022)
Tax Bill	$2,683 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`085-043-18`

Property Details

APN / Parcel Number

Primary APN	`085-043-18`
Alternative APN	`085-043-18-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	544 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	6,055 sqft (0.139 acres)
Terrain	Steep
Deck Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	505 BERNSTEIN DR
City	BOULDER CREEK
State	CA
Zip	95006-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	RIVERSIDE GROVE 01
Legal Lot Number	112
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1027
Census Tract	120500

Owner

505 Bernstein Dr is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 11, 2023	Deed of Trust, Mortgage · USDA Mortgage USDA
Jan 6, 2022	Grant Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 8, 2020	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE WEST
Nov 17, 2020	Foreclosure TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Prior Sale	Nov 17, 2020 · Amount on File
Deed Document Number	2022512
Prior Transfer Date	May 16, 2006
Prior Transfer Doc	0000033858
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501

Mortgage

Document Number	0000006254
Date	Apr 11, 2023
Instrument	2023-0006254

Lender

Name	USDA
Type	Government Agency
Address	EL PASO, TX 79925

Agreement

Type	USDA Mortgage
Amount	Amount on Record

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 6, 2022
Property Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501
Document Number	0000000512
Map Reference	VOL 25 PG 37
Instrument Date	Dec 28, 2021
Instrument	2022-0000512
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501

Mortgage

Document Number	0000000513
Date	Jan 6, 2022
Instrument	2022-0000513

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Mortgage

Document Number	0000000514
Date	Jan 6, 2022
Instrument	2022-0000514

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	SBA Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD 100, 100, REDONDO BEACH, CA 90278-1230

Mortgage

Document Number	0000052555
Date	Dec 8, 2020
Instrument	2020-0052555

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN RAMON, CA 94583

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2020
Property Address	505 BERNSTEIN DR, BOULDER CREEK, CA 95006-8501
Document Number	0000048522
Instrument Date	Nov 10, 2020
Instrument	48522
Transaction Type	Foreclosure
Record Updated	Dec 3, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transaction

Amount	Amount on Record
Tax	$333.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2015 MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 902781230, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 505 Bernstein Dr was $2,683 with a veteran's exemption.

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		$454,514 (+2%) Land $363,611 Building $90,903
2025	$2,683.00 Disabled Person's exemption Veteran's exemption	$445,601 Land $356,481 Building $89,120
2023	$2,626.00 (-2.63%) Disabled Person's exemption Veteran's exemption	$428,298 Land $342,638 Building $85,660	$401,310
2022	$2,697.00

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

Flood

FEMA maps place 505 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 505 Bernstein Dr is moderate, ranking above 46% 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 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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 99 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, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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