12600 Alba Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 12600 Alba Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	5 bd · 5.5 ba · 3,000 sqft · built 1950
Lot Size	7.27 acres (316,768 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,930 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`078-091-24`

Property Details

APN / Parcel Number

Primary APN	`078-091-24`
Alternative APN	`078-091-24-000`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	3,000 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	316,768 sqft
Terrain	Steep
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Septic

Location & Zoning

Street Address	12600 ALBA RD
City	BEN LOMOND
State	CA
Zip	95005-9260
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Local Zoning Code	TP
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3028
Census Tract	120400

Owner

12600 Alba Rd, timberland, forest, woodland vacant land, is owned by two individuals who acquired it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	12700 ALBA RD, BEN LOMOND, CA 95005-9261
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
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 12, 2018	Quit Claim Deed, Transfer · Conventional Mortgage OPES ADVISORS
Apr 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 15, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Nov 7, 2017	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 7, 2018
Transfer Doc	0000017894
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	12600 ALBA RD, BEN LOMOND, CA 95005-9260
Document Number	0000013785
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12700 ALBA RD BEN LOMOND CA 950059261, BEN LOMOND, CA 95005-9261

Mortgage

Document Number	0000013785
Date	Apr 22, 2020
Instrument	13785

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 12, 2018
Property Address	12600 ALBA RD, BEN LOMOND, CA 95005-9260
Document Number	0000017894
Instrument Date	Jun 7, 2018
Instrument	17894
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12600 ALBA RD BEN LOMOND CA 950059260, BEN LOMOND, CA 95005-9260

Mortgage

Document Number	17895
Date	Jun 12, 2018
Instrument	17895

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 23, 2018
Property Address	12600 ALBA RD, BEN LOMOND, CA 95005-9260
Document Number	0000012036
Instrument Date	Mar 15, 2018
Instrument	12036
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	12600 ALBA RD BEN LOMOND CA 950059260, BEN LOMOND, CA 95005-9260

February 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 15, 2018
Property Address	12600 ALBA RD, BEN LOMOND, CA 95005-9260
Document Number	0000004730
Instrument Date	Feb 8, 2018
Instrument	4730
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12600 ALBA RD BEN LOMOND CA 950059260, BEN LOMOND, CA 95005-9260

November 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 7, 2017
Property Address	12600 ALBA RD, BEN LOMOND, CA 95005-9260
Document Number	0000037556
Instrument Date	Nov 2, 2017
Instrument	37556
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12600 ALBA RD BEN LOMOND CA 950059260, BEN LOMOND, CA 95005-9260

Tax Assessment & Valuation

The 2025 property tax bill for 12600 Alba Rd was $11,930.

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
2026		$1,019,930 (+2%) Land $581,228 Building $438,702
2025	$11,930.00	$999,962 Land $569,862 Building $430,100
2023	$11,555.00 (+2.38%)	$961,237 Land $547,839 Building $413,398
2022	$11,286.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12600 Alba Rd in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1982.

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 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	18 (1982–2023)
Claims Outside the SFHA	12 of 18
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms And Flooding, Feb 1998 · 5 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 12600 Alba Rd is moderate, ranking above 51% 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 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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 17 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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