10020 Riverside Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 10020 Riverside Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,678 sqft · built 2010
Lot Size	0.825 acres (35,937 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,914 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078-083-07`

Property Details

APN / Parcel Number

Primary APN	`078-083-07`
Alternative APN	`078-083-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,678 sqft Living Area
Gross Area	1,998 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	35,937 sqft (0.825 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	10020 RIVERSIDE DR
City	BEN LOMOND
State	CA
Zip	95005-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	TR 49
Legal Subdivision	BROOK LOMOND 02 49
Legal Tract	49
Legal Lot Number	13,14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1003
Census Tract	120301

Owner

10020 Riverside Dr is owned and occupied by two individuals who acquired it in June 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10020 RIVERSIDE DR, BEN LOMOND, CA 95005-9209
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Intrafamily Transfer, Transfer
Jan 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 6, 2021	Quit Claim Deed, Transfer AMROCK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 27, 2022
Transfer Doc	0000020102
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 8, 2022
Property Address	10020 RIVERSIDE DR, BEN LOMOND, CA 95005-9209
Document Number	0000020102
Map Reference	VOL 27 PG 9
Instrument Date	Jun 27, 2022
Instrument	2022-0020102
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	10020 RIVERSIDE DR, BEN LOMOND, CA 95005-9209

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 6, 2021
Property Address	10020 RIVERSIDE DR, BEN LOMOND, CA 95005-9209
Document Number	0000000602
Map Reference	VOL 27 PG 9
Instrument Date	Jul 22, 2020
Instrument	2021-0000602
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	AMROCK

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
Address	10020 RIVERSIDE DR, BEN LOMOND, CA 95005-9209

Mortgage

Document Number	0000000603
Date	Jan 6, 2021
Instrument	2021-0000603

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	175 Months
Due	Aug 1, 2035

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 6, 2021
Property Address	10020 RIVERSIDE DR, BEN LOMOND, CA 95005-9209
Document Number	0000000604
Instrument Date	Jul 22, 2020
Instrument	604
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10020 RIVERSIDE DR BEN LOMOND CA 950059209, BEN LOMOND, CA 95005-9209

Tax Assessment & Valuation

The 2025 property tax bill for 10020 Riverside Dr was $5,914 with a homeowner's exemption.

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		$468,262 (+2%) Land $117,146 Building $351,116
2025	$5,914.00 Homeowner's exemption	$459,080 Land $114,849 Building $344,231
2023	$5,631.00 (+2.4%) Homeowner's exemption	$441,253 Land $110,389 Building $330,864	$672,570
2022	$5,499.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10020 Riverside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	20 (1980–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2017 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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

Wildfire risk around 10020 Riverside Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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