12734 Irwin Way, Boulder Creek, CA, 95006
About This Home
Seller is open to a rate buy down! Tucked away in a charming neighborhood parallel to the San Lorenzo River, this delightful 4-bed/2.5-bath home sits on over 1.5 acres. Spend your mornings enjoying coffee on the inviting front porch, and spend weekends gardening, relaxing in a hammock or dining al fresco with guests, and thanks to an attached 2-car garage plus large driveway with ample parking its easy to host. Inside, the living room features a cozy fireplace ideal for cooler months, while the spacious updated kitchen impresses home chefs with its dine-in breakfast bar, subway tile backsplash, and elegant glass-front cabinets. The floor plan offers excellent separation of space, keeping all four bedrooms upstairs away from the main living areas. The primary suite is a standout, highlighted by a beautiful, custom 20-drawer built-in and new flooring. For hobbies or extra storage, a detached shed easily doubles as a workshop, yoga studio, or art retreat. Location is everything, and this property provides seamless access to major commute routes to Silicon Valley, Scotts Valley, and Santa Cruz. You are just moments from downtown Boulder Creeks dining favorites like The Red Pearl, local grocery stores, locals favorite the Camp Joy Farm Stand, and world-class outdoor recreation.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1961
Materials
- Foundation: Concrete Perimeter and Slab
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Architectural style: Custom
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Microwave,Electric Oven/Range,Refrigerator,Washer/Dryer
- Laundry features: Inside,In Utility Room
Bathroom
- Features: Marble, ShowerandTub, StallShower2plus, Tile, HalfonGroundFloor
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Features: DiningBar, EatinKitchen
Family Room
- Features: NoFamilyRoom
Features
- Flooring: Carpet,Hardwood,Vinyl Linoleum
- Number of fireplaces: 1
- Fireplace features: Wood Burning Stove
Heating & Cooling
- Heating features: Forced Air,Gas
- Cooling features: None
Interior Area
- Total structure area: 2,236
- Total interior livable area: 2,236 sqft
Kitchen
- Features: Countertop_Tile
Property
Details
- Parcel number: 09010167
- Zoning: R-1-15
- Special condition: Standard
Features
- Patio & porch: Deck
- Exterior features: Back Yard,Barbecue,Storage Shed Structure
- Has view: Yes
- View description: Forest/Woods,Garden/Greenbelt,Mountain(s)
Lot
- Lot size: 1.61 Acres
- Features: Side Slope
Parking
- Total spaces: 6
- Parking features: Detached,Guest,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
- Earthquake
- Landslide
- Wildfire
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Cruz County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,000 | $60,000 |
| Home Insurance * | $280 | $3,360 |
| Property Taxes | $1,039 | $12,468 |
| Electricity | $479 | $5,753 |
| Total | $6,798 | $81,576 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Contingent | $989,000 |
| 2026-08-03 | Price change | $989,000 |
| 2026-06-23 | Listed for sale | $999,000 |
| 2021-07-19 | Sold | $850,000 |
| 2021-06-29 | Contingent | $898,000 |
| 2021-06-11 | Listed for sale | $898,000 |
| 2021-03-24 | Listing removed | -- |
| 2021-01-29 | Listed for sale | $925,000 |
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