Santa Cruz County property record for 12655 Alba Rd, Ben Lomond, CA 95005
| Property Type | Timberland, Forest, Woodland Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 2,740 sqft · built 1911 |
| Lot Size | 17.8 acres (778,635 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,350,000 (Dec 2021) |
| Tax Bill | $11,749 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-091-56 |
| Primary APN | 078-091-56 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 2,740 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 778,635 sqft |
| Terrain | Steep |
| Total Buildings | 2 Buildings |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 12655 ALBA RD |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9278 |
| 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 | 1 |
| Census Block | 1018 |
| Census Tract | 120301 |
12655 Alba Rd, timberland, forest, woodland vacant land, is owned by two individuals who bought it in December 2021.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1730 PENNY WAY, LOS ALTOS, CA 94024-6263 |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 17, 2021 | Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2021 · Amount on File |
| Deed Sale | Dec 17, 2021 · Amount on File |
| Prior Sale | Sep 11, 2015 · Amount on File |
| Deed Document Number | 202160936 |
| Prior Transfer Date | Jan 15, 1993 |
| Prior Transfer Doc | 0000045898 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 12655 ALBA RD, BEN LOMOND, CA 95005-9278 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2022 |
| Title Company | DOMA TITLE OF CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 1730 PENNY WAY, LOS ALTOS, CA 94024-6263 |
| Document Number | 0000003793 |
|---|---|
| Date | Feb 3, 2022 |
| Instrument | 2022-0003793 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 17, 2021 |
| Property Address | 12655 ALBA RD, BEN LOMOND, CA 95005-9278 |
| Document Number | 0000060936 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 2021-0060936 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 1730 PENNY WAY, LOS ALTOS, CA 94024-6263 |
The 2025 property tax bill for 12655 Alba Rd was $11,749.
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 |
|---|---|---|
| 2026 | $1,003,764 (+1.99%) Land $733,156 Building $270,608 | |
| 2025 | $11,749.00 | $984,165 Land $718,863 Building $265,302 |
| 2023 | $11,382.00 (+2.38%) | $946,234 Land $691,234 Building $255,000 |
| 2022 | $11,117.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12655 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 12655 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.
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 17 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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