115 Estates Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 115 Estates Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,042 sqft · built 1969
Lot Size	0.366 acres (15,943 sqft)
Owner	2 Individual Names on Record
Last Sale	$657,000 (May 2018)
Tax Bill	$9,123 (2025)
Deeds & Mortgages	Jun 2020 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`077-062-42`

Property Details

APN / Parcel Number

Primary APN	`077-062-42`
Alternative APN	`077-062-42-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,042 sqft Living Area
Gross Area	1,330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	15,943 sqft (0.366 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	416 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	115 ESTATES DR
City	BEN LOMOND
State	CA
Zip	95005-9438
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	3
Census Block	3024
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	2 Individual Names on Record
Mailing Address	115 ESTATES DR, BEN LOMOND, CA 95005-9438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU
May 3, 2018	Grant Deed, Transfer · ARM STANFORD FCU
Nov 7, 2017	Deed of Trust, Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2018 · Amount on Record
Deed Sale	May 3, 2018 · Amount on Record
Prior Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	201813435
Prior Transfer Date	Jan 12, 2016
Prior Transfer Doc	0000001687
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 ESTATES DR, BEN LOMOND, CA 95005-9438
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020982
Date	Jun 16, 2020
Instrument	2020-0020982

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 3, 2018
Property Address	115 ESTATES DR, BEN LOMOND, CA 95005-9438
Document Number	0000013435
Instrument Date	Apr 26, 2018
Instrument	2018-0013435
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	115 ESTATES DR, BEN LOMOND, CA 95005-9438

Mortgage

Document Number	0000013436
Date	May 3, 2018
Instrument	2018-0013436

Lender

Name	STANFORD FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Margin	2
Max Rate	8.75%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	115 ESTATES DR, BEN LOMOND, CA 95005-9438
Document Number	0000038434
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ESTATES DR BEN LOMOND CA 950059438, BEN LOMOND, CA 95005-9438

Mortgage

Document Number	0000038434
Date	Nov 15, 2017
Instrument	38434

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

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		$761,977 (+2%) Land $594,342 Building $167,635
2025	$9,123.00 (+4.31%)	$747,036 (+4.04%) Land $582,688 Building $164,348
2023	$8,746.00 (+2.41%)	$718,028 Land $560,062 Building $157,966	$683,280
2022	$8,540.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1982–2000)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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 40% of the US · lower than 76% of California
Wildfire Likelihood	0.05% 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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