155 Morningside Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 155 Morningside Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,521 sqft · built 1961
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,118 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-272-07`

Property Details

APN / Parcel Number

Primary APN	`072-272-07`
Alternative APN	`072-272-07-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,521 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Contemporary
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Deck Area	142 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	155 MORNINGSIDE DR
City	BEN LOMOND
State	CA
Zip	95005-9528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	ZAYANTE RHO
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1005
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 Individual Names on Record
Mailing Address	155 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 30, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jul 6, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 4, 2016
Transfer Doc	0000019941
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	155 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029429
Date	Sep 5, 2017
Instrument	2017-0029429

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	155 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010868
Date	Mar 30, 2020
Instrument	2020-0010868

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 20, 2050

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 6, 2022
Property Address	155 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Document Number	0000019941
Map Reference	VOL 33 PG 36
Instrument Date	Feb 4, 2016
Instrument	2022-0019941
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	155 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528

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		$412,586 (+2%) Land $195,444 Building $217,142
2025	$5,118.00 (+5.37%) Homeowner's exemption	$404,496 (+4.04%) Land $191,612 Building $212,884
2023	$4,857.00 (+2.49%) Homeowner's exemption	$388,788 Land $184,171 Building $204,617	$809,280
2022	$4,739.00

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surfnet Communications.

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