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10285 Hwy 9, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 10285 Hwy 9, Ben Lomond, CA 95005

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 2,010 sqft · built 1980
Lot Size1.3 acres (57,020 sqft)
OwnerIndividual Name on Record
Last Sale$776,000 (May 2025)
Tax Bill$4,353 (2025)
Deeds & MortgagesDec 2025 Mortgage
Feb 2023 Transfer
Flood ZoneZone X (minimal risk)
APN078-041-30

Property Details

APN / Parcel Number

Primary APN078-041-30
Alternative APN
  • 078-041-30-000

Interior

Bedrooms4 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Building Area2,010 sqft Living Area
Gross Area2,502 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area57,020 sqft
Garage TypeAttached
Garage Area492 sqft
Parking Spaces2 Parking Spaces
Deck Area450 sqft
Patio Area450 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic
Water SourceWell

Location & Zoning

Street Address10285 HIGHWAY 9
CityBEN LOMOND
StateCA
Zip95005-9277
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-1AC
Legal SubdivisionA078 04
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSAN LORENZO VALLEY
Census Block Group1
Census Block1012
Census Tract120301

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 RecordIndividual Name on Record
Mailing Address10285 HIGHWAY 9, BEN LOMOND, CA 95005-9277
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Man

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2025Deed of Trust, Mortgage · Conventional Mortgage
ML MORTGAGE CORP
Feb 24, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 29, 2025 · Amount on Record
Deed SaleMay 29, 2025 · Amount on Record
Deed Document Number202511159
Prior Transfer DateJun 16, 2022
Prior Transfer Doc0000003262
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address10285 HIGHWAY 9, BEN LOMOND, CA 95005-9277
Transaction TypeMortgage
Record UpdatedJan 9, 2026
Title CompanySTEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address10258 HIGHWAY 9, BEN LOMOND, CA 95005-9265

Mortgage

Document Number0000028347
DateDec 22, 2025
Instrument2025-0028347
Lender
NameML MORTGAGE CORP
TypeMortgage Company
AddressRANCHO CUCAMONGA, CA 91730
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateFeb 24, 2023
Property Address10285 HIGHWAY 9, BEN LOMOND, CA 95005-9277
Document Number0000003262
Instrument DateJun 16, 2022
Instrument2023-0003262
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address10285 HIGHWAY 9, BEN LOMOND, CA 95005-9277

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictSan Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$344,914 (+2%) Land $118,563 Building $226,351
2025$4,353.00 (+5.78%) Homeowner's exemption$338,151 (+4.04%) Land $116,238 Building $221,913
2023$4,115.00 (+2.52%) Homeowner's exemption$325,020 Land $111,724 Building $213,296$793,530
2022$4,014.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 13 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims20 (1980–2017)
Claims Outside the SFHA4 of 20
Most Recent ClaimMar 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 RiskModerate
above 40% of the US · lower than 76% of California
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemSAN LORENZO VALLEY WATER DIST
serves 21,513 people · EPA ID CA4410014
Water SourceSurface water
Last State InspectionApr 2025
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting1
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 103 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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