Score
0Boulder Creek, CA
695 Creek Dr
795K
4 beds
3 baths
2,005 sqft
4 bd • 3 ba • 2,005 sf
This analysis was generated on 2/22/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$795,000
Price/Sq.Ft
$397
Year Built
1940
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• The property offers a versatile layout with potential for multi-generational living or rental income. The downstairs bedrooms with private entrances and bathrooms provide flexibility.
• The new forced air heater is a significant upgrade, providing efficient heating during the winter months.
• The property is located on a quiet street surrounded by nature, offering a peaceful and private setting.
• The safety score of 68/100 indicates an above-average safety level. Violent and property crime rates are significantly lower than state and national averages (-82.7% and -54.6% vs state, respectively).
• The presence of a deck, chicken coop, and above-ground pool adds recreational value to the property.
The Bad
• The property was built in 1940, which could mean outdated systems and potential for higher maintenance costs compared to newer homes.
• The moderate fire risk (4/10) could lead to higher insurance premiums. The estimated insurance cost is already $2,862 per year.
• The air quality risk is extreme (9/10), with an average of 17 bad air days per year. This could be a concern for individuals with respiratory issues.
• The price per square foot ($396.51) is on the higher end compared to some other areas in Santa Cruz County. It's crucial to compare this to other similar properties in Boulder Creek to determine if it's appropriately priced.
• School ratings are mixed. While the high school has a good rating (8/10), the elementary and middle schools have lower ratings (5/10 and 4/10, respectively). This could be a concern for families with younger children.
The Ugly
• The property has an extreme air quality risk (9/10), with an average of 17 bad air days per year. This is a significant environmental concern that could affect health and lifestyle.
• The burglary rate is higher than both the state and national averages (51.0% vs state, 105.9% vs national). This is a significant safety concern that could impact insurance rates and peace of mind.
• The home's price history shows significant fluctuations, suggesting potential market volatility in the area. The property was sold for $665,000 in 2006 but only $350,000 in 2012, indicating a substantial loss in value during that period.
• The limited amenities and accessibility in Boulder Creek could be a drawback for some buyers. The rural location means longer commutes and fewer local services.
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Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
• Multi-generational families or those seeking rental income potential due to the downstairs bedrooms each having their own full bath and private exterior entrance. The layout offers flexibility for separate living spaces.
• Buyers who appreciate a rural, nature-filled setting and prioritize privacy. The property is located on a quiet street surrounded by nature, offering a tranquil environment.
• Individuals looking for a home with recent updates and a functional layout. The property features a brand new forced air heater and a versatile design with the primary suite and living areas on the main floor.
• Buyers comfortable with an estimated annual insurance cost of $2,862, reflecting the moderate fire risk in the area.
Not For
• Individuals seeking a modern, updated home without needing to undertake renovations. The 1940 build date suggests that updates may be desired to meet current standards.
• Buyers who prefer to be close to urban amenities and have an easy commute. Boulder Creek's location involves narrow, winding roads and limited access to shopping and dining options.
• Those uncomfortable with potential wildlife encounters or the responsibilities of maintaining a property in a rural setting.
• Buyers on a very tight budget who may struggle with the ongoing maintenance costs and potentially higher insurance premiums associated with an older home in a high-fire-risk area.
Demographics
Area Median Income
$120,243
Property History
Price History
Ownership Timeline
$365,000Financed
Jan 7, 2013Us Bank National Association, Bank Of America National AssociationAlan A Carothers, Michelle D Carothers
Grant Deed
Standard Sale (Purchase/Resales)
$350,000Cash Purchase
May 23, 2012David F HeldUs Bank National Association
Trustees Deed
Foreclosure
$0Cash Purchase
Jun 23, 2006Janice E HeldDavid F Held
Intrafamily Transfer
Non-Arm's Length Transactions
$665,000Financed
Jun 23, 2006Thomas Heynemann, Rita HeynemannDavid F Held
Grant Deed
Standard Sale (Purchase/Resales)
$260,000Financed
Nov 13, 1997Leake Albert E JrThomas Heynemann, Rita Heynemann
Grant Deed
Standard Sale (Purchase/Resales)
Property Taxes
$5,468
2024 Tax Assessment
0.1%from previous year
Assessed Value$440,658
Tax Rate1.24%
Sunlight Analysis
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Sunlight Analysis
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Risk Assessment
Climate Risks
airSEVERE
17 bad air quality days per year
fireMODERATE
Insurance: Recommended
heatMINIMAL
7 extreme heat days per year
98th percentile: 94°F
floodMINIMAL
FEMA Zone: Minimal Risk Area
Insurance: Optional
windMINIMAL
Insurance: Optional
Safety Analysis
68/100
Good
Based on data from Monte Sereno Police Department
Total Crime Rate
42.5
per 100,000 residents
Violent Crime Rate
7.0
per 100,000 residents
Property Crime Rate
35.5
per 100,000 residents
Crime Rate Comparison
Recent Crime Trends
2022
Violent Crimes
10
Property Crimes
37
2023
Violent Crimes
4
60.0%
Property Crimes
34
8.1%
Risk Analysis
• **Fire Risk:** The moderate fire risk (4/10) could lead to higher insurance premiums and the need for ongoing defensible space maintenance. Failure to maintain adequate defensible space could increase the risk of property damage in a wildfire.
• **Air Quality:** The extreme air quality risk (9/10) with 17 bad air days per year could impact health and lifestyle, potentially requiring investment in air filtration systems and limiting outdoor activities.
• **Older Home Issues:** Given the 1940 build date, there's a risk of encountering unforeseen maintenance issues, such as outdated plumbing, electrical systems, or foundation problems. A thorough inspection is crucial to identify and address these potential problems.
• **Market Fluctuations:** The property's price has fluctuated significantly over the years. Monitoring market trends and understanding local economic factors is important to assess future appreciation potential.
• **Burglary Rate:** While overall crime is low, the higher burglary rate compared to national averages presents a security risk. Enhancing security measures is recommended.
Insurance
Annual Cost
$2,862
$239 per month
Cost & Affordability
Monthly Costs
Breakdown of estimated monthly expenses for this property
Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements
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20.0% of purchase price
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$795 monthly
$239 monthly
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Schools
Boulder Creek Elementary School
Public•Grades K-5
5/5
Elementary
3.7 mi
San Lorenzo Valley Middle School
Public•Grades 6-8
4/5
Middle
8.3 mi
Financials
Monthly Costs
Market Rent (4 bed)
Get a detailed estimate on Zillow®$4,568
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$795,000
Price/sqft
$397
Layout
4 bd•3 ba
Days on market
11 daysat time of analysis
Stats in the Area
Based on 3 comparable properties nearby
Average Price
$268,233
196.4%
Your price is 196.4% above average
Median Price
$14,850
5253.5%
Based on 3 recent sales
Price per Sq.Ft
$450
11.9%
Your price is 11.9% below average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 235 Reynolds Drive, Boulder Creek, CA 95006 | $775,000 | 1,723 | 3 | 3 | $45013.4% | 1/13/2025 |
| 0 Stewart Street, Boulder Creek, CA 95006 | $14,850 | N/A | N/A | N/A | N/A | 8/29/2024 |
| Stewart Street, Boulder Creek, CA 95006 | $14,850 | N/A | N/A | N/A | N/A | 8/29/2024 |
235 Reynolds Drive, Boulder Creek, CA 95006
Price: $775,000
Sq.Ft: 1,723
Beds/Baths: 3/3
$/Sq.Ft:
$45013.4%
Sale Date: 1/13/2025
0 Stewart Street, Boulder Creek, CA 95006
Price: $14,850
Sq.Ft: N/A
Beds/Baths: N/A/N/A
$/Sq.Ft: N/A
Sale Date: 8/29/2024
Stewart Street, Boulder Creek, CA 95006
Price: $14,850
Sq.Ft: N/A
Beds/Baths: N/A/N/A
$/Sq.Ft: N/A
Sale Date: 8/29/2024
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