620 Waterman Gap Loop, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 620 Waterman Gap Loop, Boulder Creek, CA 95006 · Last verified August 2026

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 3,686 sqft · built 2000
Lot Size	9.49 acres (413,472 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (May 2025)
Tax Bill	$8,981 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087-261-17`

Property Details

APN / Parcel Number

Primary APN	`087-261-17`
Alternative APN	`087-261-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	3,686 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	413,472 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Deck Area	600 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	620 WATERMAN GAP LOOP
City	BOULDER CREEK
State	CA
Zip	95006-9091
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Description	TWP 08S RGE 03W SEC 35
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1027
Census Tract	120500

Owner

Source: Santa Cruz County records · APN 087-261-17

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	620 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Prior Sale	May 01, 1998 · Amount on Record
Deed Document Number	202510716
Prior Transfer Date	Dec 13, 2005
Prior Transfer Doc	0000087118
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 01, 2026
Property Address	620 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091
Document Number	0000014989
Instrument Date	Jun 24, 2026
Instrument	202614989
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006-9091

Mortgage

Document Number	0000014989,
Date	Jul 01, 2026
Instrument	202614989

Lender

Name	MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$1,224,000 (+74.16%) Land $561,000 Building $663,000
2025	$8,981.00 (+3.55%)	$702,795 (+4.04%) Land $249,261 Building $453,534
2023	$8,673.00 (+2.52%)	$675,504 Land $239,582 Building $435,922
2022	$8,460.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871205001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
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, ground movement, Severe Winter Storms, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 24% of California
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Surfnet Communications	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Ridge Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.