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

Santa Cruz County property record for 815 Waterman Gap Loop, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,591 sqft · built 1987
Lot Size	9.34 acres (406,981 sqft)
Owner	2 Company Names on Record
Tax Bill	$9,809 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087-261-18`

Property Details

APN / Parcel Number

Primary APN	`087-261-18`
Alternative APN	`087-261-18-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,591 sqft Living Area
Gross Area	3,211 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	406,981 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Deck Area	44 sqft
Patio Area	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	815 WATERMAN GAP LOOP
City	BOULDER CREEK
State	CA
Zip	95006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1031
Census Tract	120500

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 Company Names on Record
Mailing Address	815 MEMORY LN, BOULDER CREEK, CA 95006-9059
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Quit Claim Deed, Transfer WATERMARK CAP
Sep 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 4, 2017	Trustee's Deed, Construction Loan WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 8, 2009
Transfer Doc	0000046025
Record Updated	Sep 20, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 8, 2020
Property Address	815 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006
Document Number	0000034842
Instrument Date	Aug 20, 2020
Instrument	34842
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	815 MEMORY LN BOULDER CREEK CA 950069059, BOULDER CREEK, CA 95006-9059

Mortgage

Document Number	34843
Date	Sep 8, 2020
Instrument	34843

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 8, 2020
Property Address	815 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006
Document Number	0000034844
Instrument Date	Aug 20, 2020
Instrument	34844
Transaction Type	Transfer
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	815 MEMORY LN BOULDER CREEK CA 950069059, BOULDER CREEK, CA 95006-9059

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 4, 2017
Property Address	815 WATERMAN GAP LOOP, BOULDER CREEK, CA 95006
Instrument Date	Jul 28, 2017
Instrument	25685
Transaction Type	Construction Loan
Record Updated	Oct 17, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	815 MEMORY LN BOULDER CREEK CA 950069059, BOULDER CREEK, CA 95006-9059

Mortgage

Document Number	0000025685
Date	Aug 4, 2017
Instrument	25685

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SC 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 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		$790,550 (+2%) Land $450,384 Building $340,166
2025	$9,809.00 (+4.41%) Homeowner's exemption	$775,048 (+4.04%) Land $441,552 Building $333,496
2023	$9,395.00 (+2.52%) Homeowner's exemption	$744,952 Land $424,406 Building $320,546	$1,273,770
2022	$9,164.00

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 17 policies
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 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ridge Wireless, Verizon.

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