1545 Jackson Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 1545 Jackson Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,474 sqft · built 1964
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,000 (Sep 2020)
Tax Bill	$9,222 (2025)
Deeds & Mortgages	May 2023 Line of Credit Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078-232-47`

Property Details

APN / Parcel Number

Primary APN	`078-232-47`
Alternative APNs	`078-232-47-000` `07823244000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	2,474 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Metal
Lot Area	10,454 sqft (0.24 acres)
Terrain	Steep
Deck Area	304 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	1545 JACKSON AVE
City	BEN LOMOND
State	CA
Zip	95005-9317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	BEN LOMOND REDWOOD PARK 03
Legal Lot Number	31,32
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1009
Census Tract	120302

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	1545 JACKSON AVE, BEN LOMOND, CA 95005-9317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · Line of Credit BAY FCU
Mar 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 16, 2020	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Feb 28, 2002 · Amount on Record
Deed Document Number	202036555
Prior Transfer Date	Apr 24, 2006
Prior Transfer Doc	0000033105
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1545 JACKSON AVE, BEN LOMOND, CA 95005-9317
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 JACKSON AVE, BEN LOMOND, CA 95005-9317

Mortgage

Document Number	0000007821
Date	May 4, 2023
Instrument	2023-0007821

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1545 JACKSON AVE, BEN LOMOND, CA 95005-9317
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010405
Date	Mar 28, 2017
Instrument	2017-0010405

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 16, 2020
Property Address	1545 JACKSON AVE, BEN LOMOND, CA 95005-9317
Document Number	0000036555
Map Reference	MB 24 PG 2
Instrument Date	Sep 4, 2020
Instrument	2020-0036555
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1545 JACKSON AVE, BEN LOMOND, CA 95005-9317

Mortgage

Document Number	0000036556
Date	Sep 16, 2020
Instrument	2020-0036556

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$778,377 (+2%) Land $425,071 Building $353,306
2025	$9,222.00 (+4.33%) Homeowner's exemption	$763,114 (+4.04%) Land $416,736 Building $346,378
2023	$8,839.00 (+2.42%) Homeowner's exemption	$733,482 Land $400,554 Building $332,928	$693,990
2022	$8,630.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	36 (1981–2017)
Claims Outside the SFHA	10 of 36
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 13 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 11 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 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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 43 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: T-Mobile.

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