112 Whittier Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 112 Whittier Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,241 sqft · built 1960
Lot Size	0.231 acres (10,062 sqft)
Owner	2 Individual Names on File
Last Sale	$619,000 (Jul 2006)
Tax Bill	$9,985 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Oct 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077-122-35`

Property Details

APN / Parcel Number

Primary APN	`077-122-35`
Alternative APN	`077-122-35-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,241 sqft Living Area
Gross Area	2,033 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.231 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	112 WHITTIER AVE
City	BEN LOMOND
State	CA
Zip	95005-9503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	EAST BEN LOMOND
Legal Block	2
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2014
Census Tract	120302

Owner

112 Whittier Ave is owned and occupied by two individuals who acquired it in November 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY FCU
Oct 23, 2018	Deed of Trust, Mortgage · Line of Credit BAY FCU
Oct 6, 2020	Deed of Trust, Mortgage · Line of Credit BAY FCU
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2006 · Amount on File
Deed Sale	Jul 7, 2006 · Amount on File
Prior Sale	Dec 29, 1995 · Amount on File
Deed Document Number	200639655
Last Transfer Date	Nov 17, 2014
Transfer Doc	0000039792
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503

Mortgage

Document Number	0000022786
Date	Oct 23, 2025
Instrument	2025-0022786

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032008
Date	Oct 23, 2018
Instrument	2018-0032008

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Dec 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503

Mortgage

Document Number	0000040336
Date	Oct 6, 2020
Instrument	2020-0040336

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WHITTIER AVE, BEN LOMOND, CA 95005-9503

Mortgage

Document Number	0000021161
Date	Apr 13, 2021
Instrument	2021-0021161

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 112 Whittier Ave was $9,985 with a homeowner's exemption.

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		$845,918 (+2%) Land $592,143 Building $253,775
2025	$9,985.00 Homeowner's exemption	$829,331 Land $580,532 Building $248,799
2023	$9,580.00 (+2.42%) Homeowner's exemption	$797,126 Land $557,989 Building $239,137	$713,880
2022	$9,354.00

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

Flood

FEMA maps place 112 Whittier Ave in Zone X, an area of minimal flood risk, within 500 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 A, 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	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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

Wildfire risk around 112 Whittier Ave is low, with a 0.03% annual chance of wildfire.

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	0.03% annual chance
Exposure	Direct 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 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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