140 E Terrace Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 140 E Terrace Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,757 sqft · built 1977
Lot Size	0.322 acres (14,026 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,717 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071-282-02`

Property Details

APN / Parcel Number

Primary APN	`071-282-02`
Alternative APN	`071-282-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,757 sqft Living Area
Gross Area	2,241 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	14,026 sqft (0.322 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	563 sqft
Patio Area	563 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	140 E TERRACE DR
City	BEN LOMOND
State	CA
Zip	95005-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP J1 951 TR 406
Legal Subdivision	EASTRIDGE 01 TR 406
Legal Tract	406
Legal Lot Number	24
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1023
Census Tract	120600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Intrafamily Transfer, Transfer
Sep 5, 2025	Intrafamily Transfer, Transfer
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 11, 2025
Transfer Doc	0000018763
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 5, 2025
Property Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618
Document Number	0000018763
Map Reference	MB 42 PG 7
Instrument Date	Aug 11, 2025
Instrument	2025-0018763
Transaction Type	Transfer
Record Updated	Sep 26, 2025

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
Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 5, 2025
Property Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618
Document Number	0000018764
Map Reference	MB 42 PG 7
Instrument Date	Aug 11, 2025
Instrument	2025-0018764
Transaction Type	Transfer
Record Updated	Sep 26, 2025

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	Family Trust
Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618
Transaction Type	Mortgage
Record Updated	Nov 2, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618

Mortgage

Document Number	0000028459
Date	Oct 17, 2022
Instrument	2022-0028459

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Dec 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	140 E TERRACE DR, BEN LOMOND, CA 95005-9618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023477
Date	Aug 15, 2019
Instrument	2019-0023477

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

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		$433,427 (+2%) Land $225,379 Building $208,048
2025	$5,717.00 (+9.19%)	$424,928 (+4.04%) Land $220,959 Building $203,969
2023	$5,236.00 (+2.45%)	$408,427 Land $212,379 Building $196,048	$843,840
2022	$5,111.00

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

Flood

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 Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1995–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Surfnet Communications.

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