155 Riverside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 155 Riverside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,563 sqft · built 1920
Lot Size	0.295 acres (12,850 sqft)
Owner	Individual Name on Record
Last Sale	$1,175,000 (Feb 2022)
Tax Bill	$14,817 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`077-171-03`

Property Details

APN / Parcel Number

Primary APN	`077-171-03`
Alternative APN	`077-171-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,563 sqft Living Area
Gross Area	3,069 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,850 sqft (0.295 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	155 RIVERSIDE AVE
City	BEN LOMOND
State	CA
Zip	95005-9509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	LOT 7,10
Legal Subdivision	LAMBS ADD/BEN LOMOND
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2016
Census Tract	120302

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Feb 18, 2022	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 11, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Mar 7, 2011 · Amount on Record
Deed Document Number	20225656
Prior Transfer Date	Jan 10, 2022
Prior Transfer Doc	0000001114
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509

Mortgage

Document Number	0000006233
Date	Apr 11, 2023
Instrument	2023-0006233

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2043

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 18, 2022
Property Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Document Number	0000005656
Map Reference	MB 1 PG 59
Instrument Date	Feb 8, 2022
Instrument	2022-0005656
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,292.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509

Mortgage

Document Number	0000005657
Date	Feb 18, 2022
Instrument	2022-0005657

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 11, 2022
Property Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Document Number	0000001114
Map Reference	MB 1 PG 59
Instrument Date	Jan 10, 2022
Instrument	2022-0001114
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	Community Property with Right of Survivorship
Address	155 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509

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		$1,271,858 (+2%) Land $893,007 Building $378,851
2025	$14,817.00 (+3.98%) Homeowner's exemption	$1,246,920 (+4.04%) Land $875,497 Building $371,423
2024	$14,250.00 (-0.7%)
2023	$14,350.00 (+124.68%)	$1,198,500 Land $841,500 Building $357,000	$1,108,710
2022	$6,387.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	39 (1981–2023)
Claims Outside the SFHA	6 of 39
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 288 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

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

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