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105 Garden Ln, Boulder Creek, CA, 95006

4beds
2baths
2,030sqft
$1,069,000
$527price/sqft
$7,215/moest. monthly cost
$288,600/yrincome needed

About This Home

OPEN SAT/SUN 1-4. True to its Name, this home is a Gardener's Delight! And perfect for entertaining too! With tons of sun on an oversized, nearly flat and landscaped lot, this BEAUTIFUL home checks ALL the boxes! This mountain home has so many things that other ones do not! It is sunny, has a back yard, a front yard and gardens. Tons of parking. A 2-car garage. Central heat and air conditioning. Natural gas not propane. An exceptional floor plan featuring a primary bedroom and bathroom on the main floor. Open-concept living combines the spacious chef's kitchen with the gorgeous great room. Vaulted pine ceilings and a river rock hearth really warm things up. Out back is a koi pond, dog run, deck, lawn, 2 sheds and gardens plus a stand-alone whole house generator. Minutes to town, located on a sweet little country lane just off the walkable and coveted West Park Ave. The sellers loved to walk their kiddos down West Park to the library! Newer septic system passed inspection. Boulder Creek is a sweet little community not too far from the coast, tucked in the Santa Cruz Mountains with all the things you need within commuting distance to Silicon Valley. Lots of techies live here and love it. You will too!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven
  • Laundry features: Inside

Bathroom

  • Features: ShowerandTub, StallShower, TubwJets

Bedroom

  • Features: PrimaryBedroomonGroundFloor

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: DiningArea

Family Room

  • Features: KitchenFamilyRoomCombo

Features

  • One Or More Skylights,Vaulted Ceiling(s)
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning,Wood Burning Stove

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,030
  • Total interior livable area: 2,030 sqft

Kitchen

  • Features: _220VoltOutlet, Countertop_Granite

Property

Details

  • Parcel number: 08205116000
  • Zoning: R-1-15
  • Special condition: Standard

Features

  • Stories: 2
  • Fencing: Perimeter

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 6
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Wildfire
Heat Wave
Winter Weather

FEMA Declared Disasters in Santa Cruz County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,405$64,860
Home Insurance *$303$3,636
Property Taxes $1,072$12,864
Electricity $435$5,223
Total$7,215$86,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$247,371/yr
40% on housing$216,450/yr
45% on housing$192,400/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$527This listing

vs Other Active Listings

Avg $/sqft

ZIP 95006$371
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95006$477
Santa Cruz County$663

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-21Listed for sale$1,069,000
2017-01-20Sold$795,000
2016-12-03Pending sale$795,000
2016-11-07Listed for sale$795,000

For Sale by Agent

AgentCari J Wade
BrokerageDavid Lyng Real Estate

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