163 Main St, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 163 Main St, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,470 sqft · built 1911
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Tax Bill	$11,269 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`077-101-07`

Property Details

APN / Parcel Number

Primary APN	`077-101-07`
Alternative APN	`077-101-07-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
Gross Area	1,670 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	163 MAIN ST
City	BEN LOMOND
State	CA
Zip	95005-9303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Subdivision	BEN LOMOND
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2004
Census Tract	120302

Owner

163 Main St is owned and occupied by an individual who acquired it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 24201, SAN JOSE, CA 95154-4201
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC
Jun 26, 2023	Grant Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jun 24, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023
Deed Sale	Jun 26, 2023
Prior Sale	May 12, 2016 · Amount on File
Deed Document Number	202311469
Prior Transfer Date	Jun 19, 2023
Prior Transfer Doc	0000011468
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	163 MAIN ST, BEN LOMOND, CA 95005-9303
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 MAIN ST, BEN LOMOND, CA 95005-9303

Mortgage

Document Number	0000022854
Date	Oct 24, 2025
Instrument	2025-0022854

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2023
Property Address	163 MAIN ST, BEN LOMOND, CA 95005-9303
Document Number	0000011469
Instrument Date	Jun 14, 2023
Instrument	2023-0011469
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$979.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 MAIN ST, BEN LOMOND, CA 95005-9303

Mortgage

Document Number	0000011470
Date	Jun 26, 2023
Instrument	2023-0011470

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 24, 2019
Property Address	163 MAIN ST, BEN LOMOND, CA 95005-9303
Document Number	0000017081
Instrument Date	Jun 18, 2019
Instrument	17081
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7893 HARVARD DR BEN LOMOND CA 950059647, BEN LOMOND, CA 95005-9647

Tax Assessment & Valuation

The 2025 property tax bill for 163 Main St was $11,269 with a homeowner's exemption.

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
2026		$944,476 (+2%) Land $661,133 Building $283,343
2025	$11,269.00 Homeowner's exemption	$925,956 Land $648,169 Building $277,787
2023	$8,894.00 (+2.36%)	$715,694 (+2%) Land $512,023 Building $203,671
2022	$8,689.00	$701,662 Land $501,984 Building $199,678

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 163 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 163 Main St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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 263 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: Surfnet Communications.

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