Santa Cruz County property record for 12085 Alba Rd, Ben Lomond, CA 95005
| Property Type | Rural Home |
|---|---|
| Details | 7 bd · 3.5 ba · 3,843 sqft · built 2023 |
| Lot Size | 3.22 acres (140,481 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,092 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-011-11 |
| Primary APN | 078-011-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Building Area | 3,843 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 140,481 sqft |
| Terrain | Steep |
| Deck Area | 924 sqft |
| Patio Area | 924 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Septic |
| Street Address | 12085 ALBA RD |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural 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 |
12085 Alba Rd, a rural home, is owned and occupied by an individual who acquired it in June 2023.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12085 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 13, 2023 |
| Transfer Doc | 0000010974 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 12085 ALBA RD, BEN LOMOND, CA 95005-9233 |
| Document Number | 0000008345 |
| Instrument Date | Feb 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 12085 ALBA RD BEN LOMOND CA 950059233, BEN LOMOND, CA 95005-9233 |
| Document Number | 0000008345 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | 8345 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 12085 Alba Rd was $8,092 with a homeowner's exemption.
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 | $683,483 (+2%) Land $115,820 Building $567,663 | ||
| 2025 | $8,092.00 Homeowner's exemption | $670,081 Land $113,549 Building $556,532 | |
| 2023 | $1,768.00 (+64.93%) Homeowner's exemption | $151,875 Land $98,226 Building $53,649 | $2,430,990 |
| 2022 | $1,072.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12085 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 |
|
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 risk around 12085 Alba Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 71% of California |
|---|---|
| Wildfire Likelihood | 0.09% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G and 4G LTE (outdoors only)
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