615 Debbie Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 615 Debbie Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,908 sqft · built 1992
Lot Size	7.43 acres (323,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Jun 2017)
Tax Bill	$12,106 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090-101-64`

Property Details

APN / Parcel Number

Primary APN	`090-101-64`
Alternative APN	`090-101-64-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,908 sqft Living Area
Gross Area	2,142 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	323,999 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	234 sqft
Parking Spaces	1 Parking Space
Deck Area	612 sqft
Patio Area	612 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	615 DEBBIE DR
City	BOULDER CREEK
State	CA
Zip	95006-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Description	TRACT 284 LOT 18,17
Legal Subdivision	FAIRMOUNT HEIGHTS TR #284
Legal Tract	284
Legal Lot Number	17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	4
Census Block	4000
Census Tract	120400

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 Individual Names on Record
Mailing Address	615 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK
Apr 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage OPES ADVISORS
Jun 16, 2017	Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2017 · Amount on Record
Deed Sale	Jun 16, 2017 · Amount on Record
Prior Sale	Apr 10, 1998 · Amount on Record
Deed Document Number	201719922
Prior Transfer Date	Sep 16, 2015
Prior Transfer Doc	0000038943
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	615 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Document Number	0000001789
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Feb 3, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	615 DEBBIE DR BOULDER CREEK CA 950069420, BOULDER CREEK, CA 95006-9420

Mortgage

Document Number	0000001789
Date	Jan 12, 2021
Instrument	1789

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	615 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Document Number	0000012007
Instrument Date	Apr 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	615 DEBBIE DR BOULDER CREEK CA 950069420, BOULDER CREEK, CA 95006-9420

Mortgage

Document Number	0000012007
Date	Apr 23, 2018
Instrument	12007

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 16, 2017
Property Address	615 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Document Number	0000019922
Instrument Date	Jun 8, 2017
Instrument	19922
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	420 HILLER ST BELMONT CA 940022521, BELMONT, CA 94002-2521

Mortgage

Document Number	19923
Date	Jun 16, 2017
Instrument	19923

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

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
2026		$1,032,271 (+2%) Land $677,132 Building $355,139
2025	$12,106.00 (+4.04%) Homeowner's exemption	$1,012,031 (+4.04%) Land $663,855 Building $348,176
2023	$11,636.00 (+2.4%) Homeowner's exemption	$972,733 Land $638,077 Building $334,656
2022	$11,363.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1982–2023)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Feb 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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	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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications, T-Mobile.

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