Santa Cruz County property record for 165 Morningside Dr, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,872 sqft · built 1956 |
| Lot Size | 0.261 acres (11,369 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,417 (2025) |
| Deeds & Mortgages | Aug 2021 Transfer Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-272-08 |
| Primary APN | 072-272-08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 2,291 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 11,369 sqft (0.261 acres) |
| View / Lot | Mountain |
| Garage Type | Attached |
| Garage Area | 419 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 165 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 |
165 Morningside Dr is owner-occupied and held in a trust since August 2021.
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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 165 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 31, 2021 | Intrafamily Transfer, Transfer |
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Mar 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 26, 2021 |
| Transfer Doc | 0000045206 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 31, 2021 |
| Property Address | 165 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528 |
| Document Number | 0000045206 |
| Map Reference | VOL 33 PG 36 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 2021-0045206 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 165 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 165 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 165 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528 |
| Document Number | 0000011174 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 2021-0011174 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 165 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE OF CA |
| Name | Verified Name |
|---|
| Document Number | 0000008932 |
|---|---|
| Date | Mar 15, 2017 |
| Instrument | 2017-0008932 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2032 |
The 2025 property tax bill for 165 Morningside Dr was $4,417 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,191 (+2%) Land $119,485 Building $230,706 | ||
| 2025 | $4,417.00 Homeowner's exemption | $343,324 Land $117,142 Building $226,182 | |
| 2023 | $4,177.00 (+2.5%) Homeowner's exemption | $329,993 Land $112,594 Building $217,399 | $853,470 |
| 2022 | $4,075.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Morningside Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.
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 File 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 risk around 165 Morningside Dr is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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