Santa Cruz County property record for 10230 Riverside Dr, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,841 sqft · built 1939 |
| Lot Size | 0.304 acres (13,242 sqft) |
| Owner | Individual Name on File |
| Last Sale | $775,000 (Mar 2017) |
| Tax Bill | $10,864 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Mar 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-071-15 |
| Primary APN | 078-071-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,841 sqft Living Area |
| Gross Area | 2,165 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 13,242 sqft (0.304 acres) |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 97 sqft |
| Patio Area | 97 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 10230 RIVERSIDE DR |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Subdivision | BROOK LOMOND 01 14 |
| Legal Lot Number | 5,6 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 120301 |
10230 Riverside Dr is owned and occupied by an individual who acquired it in May 2017.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10230 RIVERSIDE DR, BEN LOMOND, CA 95005-9210 |
| 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.
| Date | Document |
|---|---|
| May 9, 2017 | Intrafamily Transfer, Transfer · ARM MORGAN STANLEY PRIVATE BANK NA |
| Mar 28, 2017 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2017 · Amount on File |
| Deed Sale | Mar 28, 2017 · Amount on File |
| Prior Sale | Jul 16, 1999 · Amount on File |
| Deed Document Number | 201710273 |
| Last Transfer Date | May 2, 2017 |
| Transfer Doc | 0000015294 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 9, 2017 |
| Property Address | 10230 RIVERSIDE DR, BEN LOMOND, CA 95005-9210 |
| Document Number | 0000015294 |
| Map Reference | MB26 PG13 |
| Instrument Date | May 2, 2017 |
| Instrument | 2017-0015294 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 10230 RIVERSIDE DR, BEN LOMOND, CA 95005-9210 |
| Document Number | 0000015295 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 2017-0015295 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.32% |
| Type Change Date | Jun 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.32% |
| Index | 1-Year LIBOR |
| Max Rate | 8.32% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 28, 2017 |
| Property Address | 10230 RIVERSIDE DR, BEN LOMOND, CA 95005-9210 |
| Document Number | 0000010273 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 10273 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $853.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3370 GILBERT AVE CAYUCOS CA 934301859, CAYUCOS, CA 93430-1859 |
The 2025 property tax bill for 10230 Riverside Dr was $10,864.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $917,443 (+2%) Land $642,210 Building $275,233 | ||
| 2025 | $10,864.00 | $899,454 Land $629,618 Building $269,836 | |
| 2023 | $10,435.00 (+2.39%) | $864,527 Land $605,169 Building $259,358 | $840,690 |
| 2022 | $10,191.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10230 Riverside Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 risk around 10230 Riverside Dr is moderate, ranking above 42% of the US, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Surfnet Communications.
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