644 Debbie Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 644 Debbie Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,789 sqft · built 1976
Lot Size	0.228 acres (9,932 sqft)
Owner	Individual Name on Record
Last Sale	$735,000 (Sep 2025)
Tax Bill	$9,199 (2025)
Deeds & Mortgages	Sep 2025 Sale Oct 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090-182-01`

Property Details

APN / Parcel Number

Primary APN	`090-182-01`
Alternative APN	`090-182-01-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,789 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,932 sqft (0.228 acres)
Garage Type	Carport
Garage Area	319 sqft
Carport	Carport
Carport Area	319 sqft
Parking Spaces	1 Parking Space
Deck Area	568 sqft
Patio Area	568 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	644 DEBBIE DR
City	BOULDER CREEK
State	CA
Zip	95006-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	FAIRMOUNT HEIGHTS
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	4
Census Block	4038
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	Individual Name on Record
Mailing Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Oct 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STAR ONE CU
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Aug 16, 2004 · Amount on Record
Deed Document Number	202519967
Prior Transfer Date	Oct 24, 2003
Prior Transfer Doc	0000110388
Record Updated	Sep 20, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2025
Property Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Document Number	0000019967
Map Reference	VOL 38 PG 7
Instrument Date	Sep 15, 2025
Instrument	2025-0019967
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420

Mortgage

Document Number	0000020681
Date	Oct 26, 2023
Instrument	2023-0020681

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2038

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 DEBBIE DR, BOULDER CREEK, CA 95006-9420

Mortgage

Document Number	0000022960
Date	Apr 22, 2021
Instrument	2021-0022960

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

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		$766,348 (+2%) Land $459,809 Building $306,539
2025	$9,199.00 (+4.37%)	$751,321 (+4.04%) Land $450,793 Building $300,528
2024	$8,814.00 (-0.06%)
2023	$8,819.00 (+2.42%)	$722,146 Land $433,288 Building $288,858	$737,100
2022	$8,611.00

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 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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