1410 Ridge Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 1410 Ridge Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,348 sqft · built 1984
Lot Size	3.47 acres (151,327 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,549 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`076-093-01`

Property Details

APN / Parcel Number

Primary APN	`076-093-01`
Alternative APN	`076-093-01-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,348 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	151,327 sqft
Terrain	Steep
Deck Area	468 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	1410 RIDGE RD
City	BEN LOMOND
State	CA
Zip	95005-9445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Subdivision	BEN LOMOND HEIGHTS 01
Legal Lot Number	5,16
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1000
Census Tract	120301

Owner

1410 Ridge Rd is owned and occupied by two individuals who acquired it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Jun 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage E MORTGAGE CAPITAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 2, 2020
Transfer Doc	0000019825
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445

Mortgage

Document Number	0000029440
Date	May 26, 2021
Instrument	2021-0029440

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NEXTITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010630
Date	Apr 24, 2019
Instrument	2019-0010630

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036312
Date	Nov 21, 2019
Instrument	2019-0036312

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 9, 2020
Property Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445
Document Number	0000019825
Map Reference	MB 19 PG 15
Instrument Date	Jun 2, 2020
Instrument	2020-0019825
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	WESTERN RESOURCES TITLE

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	Joint Tenants
Address	1410 RIDGE RD, BEN LOMOND, CA 95005-9445

Mortgage

Document Number	0000019826
Date	Jun 9, 2020
Instrument	2020-0019826

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1410 Ridge Rd was $2,549 with a homeowner's exemption.

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		$150,277 (+2%) Land $33,708 Building $116,569
2025	$2,549.00 Homeowner's exemption	$147,331 Land $33,047 Building $114,284
2023	$2,353.00 (+3.02%) Homeowner's exemption	$141,610 Land $31,764 Building $109,846	$664,560
2022	$2,284.00

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

Flood

FEMA maps place 1410 Ridge 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	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

Wildfire risk around 1410 Ridge Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.2% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Surfnet Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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