10085 Alba Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 10085 Alba Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,265 sqft · built 1954
Lot Size	0.424 acres (18,469 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Feb 2017)
Tax Bill	$9,303 (2025)
Deeds & Mortgages	Dec 2023 Transfer Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-142-05`

Property Details

APN / Parcel Number

Primary APN	`078-142-05`
Alternative APN	`078-142-05-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,265 sqft Living Area
Gross Area	1,608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	18,469 sqft (0.424 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	343 sqft
Parking Spaces	1 Parking Space
Deck Area	343 sqft
Patio Area	343 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	10085 ALBA RD
City	BEN LOMOND
State	CA
Zip	95005-9244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1021
Census Tract	120301

Owner

10085 Alba Rd is owned and occupied by two individuals who acquired it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 7, 2023	Intrafamily Transfer, Transfer
Nov 6, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 16, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Feb 16, 2017	Grant Deed, Transfer · FHA Mortgage UNIVERSAL AMERICAN MORTGAGE CO OF C

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2017 · Amount on File
Deed Sale	Feb 16, 2017 · Amount on File
Prior Sale	Jul 9, 2010 · Amount on File
Deed Document Number	20175785
Last Transfer Date	Dec 4, 2023
Transfer Doc	0000023511
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 7, 2023
Property Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244
Document Number	0000023511
Instrument Date	Dec 4, 2023
Instrument	2023-0023511
Transaction Type	Transfer
Record Updated	Dec 20, 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	Community Property with Right of Survivorship
Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244

Mortgage

Document Number	0000021429
Date	Nov 6, 2023
Instrument	2023-0021429

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Dec 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	TITLE CONNECT TSG, TITLE CONNECT SIM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244

Mortgage

Document Number	0000060673
Date	Dec 16, 2021
Instrument	2021-0060673

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 16, 2017
Property Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244
Document Number	0000005785
Instrument Date	Jan 24, 2017
Instrument	2017-0005785
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10085 ALBA RD, BEN LOMOND, CA 95005-9244

Mortgage

Document Number	0000005786
Date	Feb 16, 2017
Instrument	2017-0005786

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO OF C
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10085 Alba Rd was $9,303 with a homeowner's exemption, up 35.6% from the year before.

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		$591,899 (+2%) Land $414,329 Building $177,570
2025	$9,303.00 (+35.63%)	$580,293 Land $406,205 Building $174,088
2024	$6,859.00 (+0.03%)
2023	$6,857.00 (+2.42%) Homeowner's exemption	$557,760 Land $390,432 Building $167,328	$583,380
2022	$6,695.00

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

Flood

FEMA maps place 10085 Alba Rd in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1980.

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
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 10085 Alba Rd 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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