11775 Alba Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 11775 Alba Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,698 sqft · built 1965
Lot Size	2.44 acres (106,635 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Mar 2022)
Tax Bill	$5,836 (2025)
Deeds & Mortgages	Jun 2023 Transfer Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-021-01`

Property Details

APN / Parcel Number

Primary APN	`078-021-01`
Alternative APN	`078-021-01-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
Gross Area	1,986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	106,635 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	11775 ALBA RD
City	BEN LOMOND
State	CA
Zip	95005-9233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1018
Census Tract	120301

Owner

11775 Alba Rd is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 30, 2023	Intrafamily Transfer, Transfer
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Mar 28, 2022	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Jul 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2022 · Amount on File
Deed Sale	Mar 28, 2022 · Amount on File
Prior Sale	Dec 30, 1998 · Amount on File
Deed Document Number	20229964
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	0000027582
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 30, 2023
Property Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233
Document Number	0000011911
Instrument Date	Jun 27, 2023
Instrument	2023-0011911
Transaction Type	Transfer
Record Updated	Jul 14, 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
Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1029, BEN LOMOND, CA 95005-1029

Mortgage

Document Number	0000024753
Date	Aug 31, 2022
Instrument	2022-0024753

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Oct 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 28, 2022
Property Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233
Document Number	0000009964
Instrument Date	Mar 22, 2022
Instrument	2022-0009964
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Tax	$176.00
Amount Accuracy	Partially Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233

Mortgage

Document Number	0000009965
Date	Mar 28, 2022
Instrument	2022-0009965

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2020
Property Address	11775 ALBA RD, BEN LOMOND, CA 95005-9233
Document Number	0000027582
Instrument Date	Jul 15, 2020
Instrument	27582
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11775 ALBA RD BEN LOMOND CA 950059233, BEN LOMOND, CA 95005-9233

Tax Assessment & Valuation

The 2025 property tax bill for 11775 Alba Rd was $5,836 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		$473,327 (+2%) Land $223,869 Building $249,458
2025	$5,836.00 Homeowner's exemption	$464,047 Land $219,480 Building $244,567
2023	$5,555.00 (+2.45%) Homeowner's exemption	$446,028 (+2%) Land $210,958 Building $235,070	$739,980
2022	$5,422.00 Homeowner's exemption	$437,282 Land $206,821 Building $230,461

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

Flood

FEMA maps place 11775 Alba Rd in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1980.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 11775 Alba Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of 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	0.08% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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