10165 Alba Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 10165 Alba Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,428 sqft · built 1954
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Jul 2020)
Tax Bill	$9,723 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078-142-16`

Property Details

APN / Parcel Number

Primary APN	`078-142-16`
Alternative APN	`078-142-16-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,428 sqft Living Area
Gross Area	1,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	17,337 sqft (0.398 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Deck Area	232 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic

Location & Zoning

Street Address	10165 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10165 ALBA RD, BEN LOMOND, CA 95005-9244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit CEFCU
Jul 23, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage RUSO FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Prior Sale	Feb 22, 1999 · Amount on Record
Deed Document Number	202027194
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10165 ALBA RD, BEN LOMOND, CA 95005-9244
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10165 ALBA RD, BEN LOMOND, CA 95005-9244

Mortgage

Document Number	0000002809
Date	Feb 21, 2023
Instrument	2023-0002809

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61607

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 23, 2020
Property Address	10165 ALBA RD, BEN LOMOND, CA 95005-9244
Document Number	0000027194
Instrument Date	Jul 15, 2020
Instrument	2020-0027194
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10165 ALBA RD, BEN LOMOND, CA 95005-9244

Mortgage

Document Number	0000027195
Date	Jul 23, 2020
Instrument	2020-0027195

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10165 ALBA RD, BEN LOMOND, CA 95005-9244
Document Number	0000021844
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10165 ALBA RD BEN LOMOND CA 95005, BEN LOMOND, CA 95005

Mortgage

Document Number	0000021844
Date	Jul 31, 2019
Instrument	21844

Lender

Name	RUSO FAMILY TRUST (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$822,540 (+2%) Land $575,778 Building $246,762
2025	$9,723.00 (+4.27%) Homeowner's exemption	$806,412 (+4.04%) Land $564,488 Building $241,924
2023	$9,325.00 (+2.42%) Homeowner's exemption	$775,098 Land $542,568 Building $232,530	$751,590
2022	$9,105.00

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Nearby Properties on Alba Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures