Santa Cruz County property record for 640 Middleton Dr, Boulder Creek, CA 95006
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.964 acres (41,992 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,256 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 082-283-02 |
| Primary APN | 082-283-02 |
|---|---|
| Alternative APN |
|
| Lot Area | 41,992 sqft (0.964 acres) |
|---|---|
| Terrain | Steep |
| View / Lot | Mountain |
| Pool Type | Pool with Hot Tub/Spa |
| Street Address | 640 MIDDLETON DR |
|---|---|
| City | BOULDER CREEK |
| State | CA |
| Zip | 95006-9402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 120400 |
640 Middleton Dr is owned and occupied by two individuals who acquired it in December 2015.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 MIDDLETON DR, BOULDER CREEK, CA 95006-9402 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 14, 2015 |
| Transfer Doc | 0000013526 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 640 MIDDLETON DR, BOULDER CREEK, CA 95006-9402 |
| Document Number | 0000012190 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 640 MIDDLETON DR BOULDER CREEK CA 950069402, BOULDER CREEK, CA 95006-9402 |
| Document Number | 0000012190 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 12190 |
| Name | ALLY BK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202-2028 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 8, 2050 |
The 2025 property tax bill for 640 Middleton Dr was $2,256.
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 | $108,673 (+2%) Land $108,673 | ||
| 2025 | $2,256.00 | $106,542 Land $106,542 | |
| 2023 | $2,100.00 (+0.96%) | $102,405 Land $102,405 | $607,500 |
| 2022 | $2,080.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Middleton Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1996–2017) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jan 2017 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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 640 Middleton Dr is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 75% of California |
|---|---|
| Wildfire Likelihood | 0.05% 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Verizon.
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