650 River Rd, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 650 River Rd, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,059 sqft · built 1928
Lot Size	0.581 acres (25,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$483,000 (Jul 2017)
Tax Bill	$6,802 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`085-332-13`

Property Details

APN / Parcel Number

Primary APN	`085-332-13`
Alternative APN	`085-332-13-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,059 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	25,308 sqft (0.581 acres)
Deck Area	35 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	650 RIVER RD
City	BOULDER CREEK
State	CA
Zip	95006-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP B2 911
Legal Subdivision	WIDLWOOD MAP #2
Legal Block	47
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1000
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	650 RIVER RD, BOULDER CREEK, CA 95006-8806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 7, 2017	Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Jun 20, 2014 · Amount on Record
Deed Document Number	201722290
Prior Transfer Date	Mar 4, 2013
Prior Transfer Doc	0000012864
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	650 RIVER RD, BOULDER CREEK, CA 95006-8806
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 RIVER DR, BOULDER CREEK, CA 95006-8806

Mortgage

Document Number	0000001736
Date	Jan 12, 2021
Instrument	2021-0001736

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 7, 2017
Property Address	650 RIVER RD, BOULDER CREEK, CA 95006-8806
Document Number	0000022290
Instrument Date	Jun 3, 2017
Instrument	22290
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$531.30
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	650 RIVER DR BOULDER CREEK CA 950068806, BOULDER CREEK, CA 95006-8806

Mortgage

Document Number	22291
Date	Jul 7, 2017
Instrument	22291

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 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	Assessed Market Value
2026		$560,099 (+2%) Land $420,074 Building $140,025
2025	$6,802.00 (+4.81%) Homeowner's exemption	$549,116 (+4.04%) Land $411,837 Building $137,279
2023	$6,490.00 (+2.46%) Homeowner's exemption	$527,793 Land $395,845 Building $131,948	$536,580
2022	$6,334.00

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	Yes
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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 157 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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