Santa Cruz County property record for 161 Middle Dr, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,384 sqft · built 1945 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,501 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-081-09 |
| Primary APN | 078-081-09 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,384 sqft Living Area |
| Gross Area | 2,044 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 161 MIDDLE DR |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Subdivision | BROOK LOMOND SUB #2 TR 49 |
| Legal Lot Number | 6 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 120301 |
Source: Santa Cruz County assessment roll, APN 078-081-09, as of August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 161 MIDDLE DR, BEN LOMOND, CA 95005-9216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Feb 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jun 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jul 21, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 09, 1995 |
| Deed Sale | Jun 09, 1995 |
| Deed Document Number | 199528425 |
| Deed Book / Page | 5684 / 298 |
| Last Transfer Date | Apr 19, 2004 |
| Transfer Doc | 0000028669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 161 MIDDLE DR, BEN LOMOND, CA 95005-9216 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | AMROCK TITLE CA INC, AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 161 MIDDLE DR, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000004397 |
|---|---|
| Date | Feb 09, 2022 |
| Instrument | 2022-0004397 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 161 MIDDLE DR, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000018410 |
| Instrument Date | May 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 MIDDLE DR BEN LOMOND CA 950059216, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000018410 |
|---|---|
| Date | May 29, 2020 |
| Instrument | 18410 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 161 MIDDLE DR, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000015668 |
| Instrument Date | Jun 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2019 |
| Title Company | AMROCK TITLE COMPANY, AMROCK TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 MIDDLE DR BEN LOMOND CA 950059216, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000015668 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 15668 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 09, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 161 MIDDLE DR, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000023081 |
| Instrument Date | Jul 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2018 |
| Title Company | TITLE SOURCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 MIDDLE DR BEN LOMOND CA 950059216, BEN LOMOND, CA 95005-9216 |
| Document Number | 0000023081 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 23081 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2048 |
Source: Santa Cruz County assessment roll as of August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $180,037 (+2%) Land $61,411 Building $118,626 | ||
| 2025 | $2,501.00 (+7.89%) Homeowner's exemption | $176,507 (+4.04%) Land $60,207 Building $116,300 | |
| 2023 | $2,318.00 (+2.66%) Homeowner's exemption | $169,653 Land $57,869 Building $111,784 | $567,000 |
| 2022 | $2,258.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871203011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
|
| Wildfire Risk | Moderate above 42% of the US · lower than 75% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 103 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Surfnet Communications.
Source: EPA Safe Drinking Water Information System, water system CA4410014, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAN LORENZO VALLEY WATER DIST serves 21,513 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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