820 River Rd, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 820 River Rd, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,060 sqft · built 1935
Lot Size	0.413 acres (17,990 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Jan 2026)
Tax Bill	$4,996 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`085-331-02`

Property Details

APN / Parcel Number

Primary APN	`085-331-02`
Alternative APN	`085-331-02-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,060 sqft Living Area
Gross Area	1,312 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Wood
Lot Area	17,990 sqft (0.413 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	464 sqft
Patio Area	464 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	820 RIVER RD
City	BOULDER CREEK
State	CA
Zip	95006-8813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	WILDWOOD TERRACE 05
Legal Lot Number	16,17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1001
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	820 RIVER RD, BOULDER CREEK, CA 95006-8813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Jan 29, 2026	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2026 · Amount on Record
Deed Sale	Jan 29, 2026 · Amount on Record
Prior Sale	May 30, 2013 · Amount on Record
Deed Document Number	20262009
Prior Transfer Date	Jul 29, 2014
Prior Transfer Doc	0000027004
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 27, 2026
Property Address	820 RIVER RD, BOULDER CREEK, CA 95006-8813
Document Number	0000004460
Map Reference	VOL 26 PG 4
Instrument Date	Feb 4, 2026
Instrument	2026-0004460
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	820 RIVER RD, BOULDER CREEK, CA 95006-8813

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 29, 2026
Property Address	820 RIVER RD, BOULDER CREEK, CA 95006-8813
Document Number	0000002009
Map Reference	MB 17 PG 22
Instrument Date	Jan 7, 2026
Instrument	2026-0002009
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$671.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	820 RIVER RD, BOULDER CREEK, CA 95006-8813

Mortgage

Document Number	0000002010
Date	Jan 29, 2026
Instrument	2026-0002010

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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		$392,204 (+2%) Land $266,598 Building $125,606
2025	$4,996.00 (+5.38%)	$384,514 (+4.04%) Land $261,371 Building $123,143
2023	$4,741.00 (+2.46%)	$369,582 Land $251,221 Building $118,361	$477,900
2022	$4,627.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Moderate above 40% of the US · lower than 76% 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.

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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