10310 Riverside Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 10310 Riverside Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,842 sqft · built 1940
Lot Size	0.354 acres (15,420 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (May 1996)
Tax Bill	$3,293 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078-071-11`

Property Details

APN / Parcel Number

Primary APN	`078-071-11`
Alternative APN	`078-071-11-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,842 sqft Living Area
Gross Area	2,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	15,420 sqft (0.354 acres)
Garage Type	Attached
Garage Area	284 sqft
Parking Spaces	1 Parking Space
Deck Area	104 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	10310 RIVERSIDE DR
City	BEN LOMOND
State	CA
Zip	95005-9268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP F3 931
Legal Subdivision	BROOK LOMOND SUB #1 TR #14
Legal Block	A
Legal Lot Number	12,13
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1003
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	Individual Name on Record
Mailing Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 12, 2021	Intrafamily Transfer, Transfer
Feb 22, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 1996 · Amount on Record
Deed Sale	May 6, 1996 · Amount on Record
Deed Document Number	199625415
Deed Book / Page	5841 / 322
Prior Transfer Date	Feb 22, 1994
Prior Transfer Doc	0000015609
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268

Mortgage

Document Number	0000018989
Date	Sep 10, 2025
Instrument	2025-0018989

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 12, 2021
Property Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268
Document Number	0000037024
Map Reference	MB 26 PG 13
Instrument Date	Jun 11, 2021
Instrument	2021-0037024
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	Revocable Trust
Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10310 RIVERSIDE DR, BEN LOMOND, CA 95005-9268

Mortgage

Document Number	0000010859
Date	Feb 22, 2021
Instrument	2021-0010859

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$422,226 (+2%) Land $186,399 Building $235,827
2025	$3,293.00 (+5.44%) Veteran's exemption	$413,947 (+4.04%) Land $182,744 Building $231,203
2024	$3,123.00 (-1.64%)
2023	$3,175.00 (-0.44%) Disabled Person's exemption Veteran's exemption	$397,873 Land $175,648 Building $222,225	$879,120
2022	$3,189.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% 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 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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