12533 Alba Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 12533 Alba Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 3.5 ba · 4,751 sqft · built 2024
Lot Size	6.57 acres (286,276 sqft)
Owner	2 Company Names on File
Last Sale	$780,000 (Sep 2012)
Tax Bill	$13,187 (2025)
Deeds & Mortgages	Jul 2026 Sale Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-091-22`

Property Details

APN / Parcel Number

Primary APN	`078-091-22`
Alternative APN	`078-091-22-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	4,751 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Wood
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	286,276 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	210 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	12533 ALBA RD
City	BEN LOMOND
State	CA
Zip	95005-9258
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	A078 09
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1018
Census Tract	120301

Owner

12533 Alba Rd, recreational vacant land, is owned by a company that acquired it in March 2026.

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

Owner of Record	2 Company Names on File
Mailing Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258
Owner Type	Company
Vesting	Life Tenant

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
Jul 6, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Feb 26, 2021	Deed of Trust, Mortgage · SBA Mortgage ERIC ADAMS
Mar 18, 2026	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jan 25, 2024	Intrafamily Transfer, Transfer · Line of Credit EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2012 · Amount on File
Deed Sale	Sep 26, 2012 · Amount on File
Deed Document Number	201246598
Last Transfer Date	Mar 12, 2026
Transfer Doc	0000005867
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 6, 2026
Property Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258
Document Number	0000015293
Instrument Date	Jun 3, 2026
Instrument	202615293
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 NOBEL DR, SANTA CRUZ, CA 95060-2355

Mortgage

Document Number	0000012013
Date	Feb 26, 2021
Instrument	2021-0012013

Lender

Name	ERIC ADAMS
Type	Private Party
Address	455 MARKET ST, SAN FRANCISCO, CA 94105

Agreement

Type	SBA Mortgage
Amount	Amount on Record

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 18, 2026
Property Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258
Document Number	0000005867
Instrument Date	Mar 13, 2026
Instrument	2026-0005867
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	CHICAGO TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258

Mortgage

Document Number	0000005868
Date	Mar 18, 2026
Instrument	2026-0005868

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	907 Months
Due	Oct 10, 2101

Interest

Rate Type	Adjustable Rate

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 25, 2024
Property Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258
Document Number	0000001547
Instrument Date	Jan 20, 2024
Instrument	2024-0001547
Transaction Type	Transfer
Record Updated	Feb 6, 2024
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFO SER

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
Relationship	Community Property with Right of Survivorship
Address	12533 ALBA RD, BEN LOMOND, CA 95005-9258

Mortgage

Document Number	0000001548
Date	Jan 25, 2024
Instrument	2024-0001548

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12533 Alba Rd was $13,187, up 14.4% from the year before.

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		$1,129,303 (+2%) Land $391,890 Building $737,413
2025	$13,187.00 (+14.42%)	$1,107,160 Land $384,206 Building $722,954
2024	$11,525.00 (+88.69%)
2023	$6,108.00 (+44.5%)	$519,152 Land $369,287 Building $149,865	$1,276,740
2022	$4,227.00

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

Flood

FEMA maps place 12533 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 12533 Alba Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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