140 Figone Ln, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 140 Figone Ln, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,900 sqft · built 1950
Lot Size	1.26 acres (55,060 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Mar 1997)
Tax Bill	$6,080 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`077-032-02`

Property Details

APN / Parcel Number

Primary APN	`077-032-02`
Alternative APN	`077-032-02-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,900 sqft Living Area
Gross Area	2,460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	55,060 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Deck Area	892 sqft
Patio Area	892 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	140 FIGONE LN
City	BEN LOMOND
State	CA
Zip	95005-9448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MISC 541 PG 11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3024
Census Tract	120301

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 Individual Names on Record
Mailing Address	140 FIGONE LN, BEN LOMOND, CA 95005-9448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit PATELCO CREDIT UNION
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 1997 · Amount on Record
Deed Sale	Mar 26, 1997 · Amount on Record
Deed Document Number	199713135
Prior Transfer Date	May 11, 1995
Prior Transfer Doc	0000025890
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2026
Property Address	140 FIGONE LN, BEN LOMOND, CA 95005-9448
Document Number	0000011574
Instrument Date	Apr 27, 2026
Instrument	202611574
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATLAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	140 FIGONE LN, BEN LOMOND, CA 95005-9448

Mortgage

Document Number	0000011574,
Date	May 22, 2026
Instrument	202611574

Lender

Name	PATELCO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 27, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	140 FIGONE LN, BEN LOMOND, CA 95005-9448
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 FIGONE LN, BEN LOMOND, CA 95005-9448

Mortgage

Document Number	0000027344
Date	May 13, 2021
Instrument	2021-0027344

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	140 FIGONE LN, BEN LOMOND, CA 95005-9448
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008612
Date	Mar 12, 2020
Instrument	2020-0008612

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

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		$498,242 (+2%) Land $276,882 Building $221,360
2025	$6,080.00 (+4.99%) Homeowner's exemption	$488,472 (+4.04%) Land $271,453 Building $217,019
2023	$5,791.00 (+2.48%) Homeowner's exemption	$469,504 Land $260,912 Building $208,592	$876,510
2022	$5,651.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1982–2000)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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

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	0.05% 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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