548 River Rd, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 548 River Rd, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1928
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Sep 2025)
Tax Bill	$6,575 (2025)
Deeds & Mortgages	Sep 2025 Sale & Second Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`083-352-10`

Property Details

APN / Parcel Number

Primary APN	`083-352-10`
Alternative APN	`083-352-10-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	896 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,496 sqft (0.218 acres)
Terrain	Steep
Deck Area	508 sqft
Patio Area	508 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	548 RIVER RD
City	BOULDER CREEK
State	CA
Zip	95006-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	LAND/GAILJEAN MCGUIRE
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1001
Census Tract	120400

Owner

Source: Santa Cruz County records, as of August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	548 RIVER RD, BOULDER CREEK, CA 95006-9745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Grant Deed, Transfer · Stand-Alone Second Mortgage SIERRA PACIFIC MORTGAGE CO INC
Apr 12, 2022	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Jun 1, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Prior Sale	Jun 1, 2020 · Amount on Record
Deed Document Number	202519909
Prior Transfer Date	Aug 22, 2003
Prior Transfer Doc	0000089219
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 19, 2025
Property Address	548 RIVER RD, BOULDER CREEK, CA 95006-9745
Document Number	0000019909
Instrument Date	Sep 17, 2025
Instrument	2025-0019909
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$599.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 RIVER RD, BOULDER CREEK, CA 95006-9745
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019911
Date	Sep 19, 2025
Instrument	2025-0019911

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Nov 16, 2055

Mortgage

Document Number	0000019910
Date	Sep 19, 2025
Instrument	2025-0019910

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 12, 2022
Property Address	548 RIVER RD, BOULDER CREEK, CA 95006-9745
Document Number	0000011824
Map Reference	MB 40 PG 26
Instrument Date	Apr 6, 2022
Instrument	2022-0011824
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Tax	$856.90
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3242 ENCINAL AVE, ALAMEDA, CA 94501-4873

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 1, 2020
Property Address	548 RIVER RD, BOULDER CREEK, CA 95006-9745
Document Number	0000018712
Map Reference	MB 83 PG 26
Instrument Date	May 28, 2020
Instrument	2020-0018712
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 RIVER RD, BOULDER CREEK, CA 95006-9745

Mortgage

Document Number	0000018713
Date	Jun 1, 2020
Instrument	2020-0018713

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

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		$539,911 (+2%) Land $401,587 Building $138,324
2025	$6,575.00 (+4.86%) Homeowner's exemption	$529,325 (+4.04%) Land $393,713 Building $135,612
2023	$6,270.00 (+2.47%) Homeowner's exemption	$508,770 Land $378,424 Building $130,346	$503,640
2022	$6,119.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	48 (1980–2023)
Claims Outside the SFHA	7 of 48
Most Recent Claim	Jun 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms And Flooding, Mar 1998 · 19 claims Severe Storms & Flooding, Feb 1986 · 3 claims

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	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ridge Wireless Fixed Wireless	100 / 60
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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