140 Middle Dr, Ben Lomond, CA 95005 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,380 sqft · built 1951
Lot Size	0.379 acres (16,509 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Mar 2018)
Tax Bill	$6,369 (2025)
Deeds & Mortgages	Oct 2025 Transfer Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-082-02`

Property Details

APN / Parcel Number

Primary APN	`078-082-02`
Alternative APN	`078-082-02-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,380 sqft Living Area
Gross Area	1,630 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	16,509 sqft (0.379 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	140 MIDDLE DR
City	BEN LOMOND
State	CA
Zip	95005-9216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	BROOK LOMOND
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1010
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	Individual Name on Record
Mailing Address	140 MIDDLE DR, BEN LOMOND, CA 95005-9216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Affidavit of Death of Joint Tenant, Transfer
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Oct 4, 2019	Correction Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Mar 27, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2018 · Amount on Record
Deed Sale	Mar 27, 2018 · Amount on Record
Prior Sale	Aug 9, 2002 · Amount on Record
Deed Document Number	20189101
Last Transfer Date	Sep 27, 2019
Transfer Doc	0000030405
Record Updated	Sep 20, 2026

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 3, 2025
Property Address	140 MIDDLE DR, BEN LOMOND, CA 95005-9216
Document Number	0000021126
Instrument Date	Sep 5, 2025
Instrument	2025-0021126
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	140 MIDDLE DR, BEN LOMOND, CA 95005-9216
Document Number	0000030406
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 MIDDLE DR BEN LOMOND CA 950059216, BEN LOMOND, CA 95005-9216

Mortgage

Document Number	0000030406
Date	Oct 4, 2019
Instrument	30406

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 4, 2019
Property Address	140 MIDDLE DR, BEN LOMOND, CA 95005-9216
Document Number	0000030405
Instrument Date	Sep 27, 2019
Instrument	30405
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 MIDDLE DR BEN LOMOND CA 950059216, BEN LOMOND, CA 95005-9216

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 27, 2018
Property Address	140 MIDDLE DR, BEN LOMOND, CA 95005-9216
Document Number	0000009101
Instrument Date	Mar 15, 2018
Instrument	2018-0009101
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	140 MIDDLE DR, BEN LOMOND, CA 95005-9216

Mortgage

Document Number	0000009102
Date	Mar 27, 2018
Instrument	2018-0009102

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$524,444 (+2%) Land $369,327 Building $155,117
2025	$6,369.00 (+3.53%)	$514,160 (+4.04%) Land $362,084 Building $152,076
2023	$6,152.00 (+2.43%)	$494,194 Land $348,024 Building $146,170	$597,600
2022	$6,006.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Surfnet Communications.

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