Santa Cruz County property record for 110 Locust St, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,531 sqft · built 1931 |
| Lot Size | 0.548 acres (23,871 sqft) |
| Owner | Individual Name on File |
| Last Sale | $725,000 (Sep 2016) |
| Tax Bill | $10,204 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-231-51 |
| Primary APN | 077-231-51 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,531 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 23,871 sqft (0.548 acres) |
| Deck Area | 580 sqft |
| Patio Area | 580 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 110 LOCUST ST |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9400 |
| 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 | 2 |
| Census Block | 2017 |
| Census Tract | 120302 |
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10635 REDWOOD DR, FELTON, CA 95018-8934 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2016 · Amount on File |
| Deed Sale | Sep 9, 2016 · Amount on File |
| Prior Sale | Sep 17, 2002 · Amount on File |
| Deed Document Number | 201633876 |
| Prior Transfer Date | Jun 4, 1997 |
| Prior Transfer Doc | 0000025633 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 110 LOCUST ST, BEN LOMOND, CA 95005-9400 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Title Company | UNKNOWN, SOLIDIFI TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 110 LOCUST ST, BEN LOMOND, CA 95005-9400 |
| Document Number | 0000027920 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 2025-0027920 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $858,253 (+2%) Land $514,952 Building $343,301 | ||
| 2025 | $10,204.00 (+4.18%) | $841,425 (+4.04%) Land $504,855 Building $336,570 | |
| 2023 | $9,795.00 (+2.39%) | $808,752 Land $485,251 Building $323,501 | $835,920 |
| 2022 | $9,566.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 40 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 39 (1981–2023) |
| Claims Outside the SFHA | 6 of 39 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% 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 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Surfnet Communications, T-Mobile.
5G (outdoors only) and 4G LTE
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