161 Madrone Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 161 Madrone Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,542 sqft · built 1968
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Dec 2020)
Tax Bill	$9,909 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077-281-02`

Property Details

APN / Parcel Number

Primary APN	`077-281-02`
Alternative APN	`077-281-02-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,542 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Deck Area	275 sqft
Patio Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	161 MADRONE AVE
City	BEN LOMOND
State	CA
Zip	95005-9513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	BLK 1 LOT 10
Legal Subdivision	RIVERSIDE PARK
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2011
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	161 MADRONE AVE, BEN LOMOND, CA 95005-9513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 23, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 3, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 1, 2018	Grant Deed, Transfer · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	202056078
Prior Transfer Date	Sep 26, 1994
Prior Transfer Doc	0000067100
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	161 MADRONE AVE, BEN LOMOND, CA 95005-9513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 MADRONE AVE, BEN LOMOND, CA 95005-9513

Mortgage

Document Number	0000043411
Date	Oct 23, 2020
Instrument	2020-0043411

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2020
Property Address	161 MADRONE AVE, BEN LOMOND, CA 95005-9513
Document Number	0000056078
Map Reference	VOL 18 PG 12
Instrument Date	Dec 16, 2020
Instrument	2020-0056078
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	161 MADRONE AVE, BEN LOMOND, CA 95005-9513

Mortgage

Document Number	0000056079
Date	Dec 23, 2020
Instrument	2020-0056079

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	161 MADRONE AVE, BEN LOMOND, CA 95005-9513
Document Number	0000018935
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 MADRONE AVE BEN LOMOND CA 950059513, BEN LOMOND, CA 95005-9513

Mortgage

Document Number	0000018935
Date	Jul 9, 2019
Instrument	18935

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 1, 2018
Property Address	161 MADRONE AVE, BEN LOMOND, CA 95005-9513
Document Number	0000023648
Instrument Date	Jul 26, 2018
Instrument	23648
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$751.30
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 MADRONE AVE BEN LOMOND CA 950059513, BEN LOMOND, CA 95005-9513

Mortgage

Document Number	23649
Date	Aug 1, 2018
Instrument	23649

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 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		$839,102 (+2%) Land $651,408 Building $187,694
2025	$9,909.00 (+4.25%) Homeowner's exemption	$822,648 (+4.04%) Land $638,635 Building $184,013
2023	$9,505.00 (+2.41%) Homeowner's exemption	$790,704 Land $613,836 Building $176,868	$766,890
2022	$9,281.00

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 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	0.02% 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 208 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

Cell Coverage

5G and 4G LTE (outdoors only)

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