165 Taylor Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 165 Taylor Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 1965
Lot Size	0.377 acres (16,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$599,000 (Dec 2019)
Tax Bill	$7,984 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`077-011-35`

Property Details

APN / Parcel Number

Primary APN	`077-011-35`
Alternative APN	`077-011-35-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,696 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	16,422 sqft (0.377 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	235 sqft
Patio Area	235 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	165 TAYLOR RD
City	BEN LOMOND
State	CA
Zip	95005-9446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-1AC
Legal Subdivision	STUART ROSS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1000
Census Tract	120301

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	165 TAYLOR RD, BEN LOMOND, CA 95005-9446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Dec 2, 2019	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	Dec 17, 2003 · Amount on Record
Deed Document Number	201937444
Prior Transfer Date	Nov 23, 2015
Prior Transfer Doc	0000047545
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2025
Property Address	165 TAYLOR RD, BEN LOMOND, CA 95005-9446
Document Number	0000019437
Instrument Date	Sep 5, 2025
Instrument	2025-0019437
Transaction Type	Transfer
Record Updated	Oct 20, 2025
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	Joint Tenants
Address	165 TAYLOR RD, BEN LOMOND, CA 95005-9446

Mortgage

Document Number	0000019438
Date	Sep 15, 2025
Instrument	2025-0019438

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	165 TAYLOR RD, BEN LOMOND, CA 95005-9446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 TAYLOR RD, BEN LOMOND, CA 95005-9446

Mortgage

Document Number	0000053441
Date	Dec 11, 2020
Instrument	2020-0053441

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2019
Property Address	165 TAYLOR RD, BEN LOMOND, CA 95005-9446
Document Number	0000037444
Instrument Date	Nov 27, 2019
Instrument	2019-0037444
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	Joint Tenants
Address	165 TAYLOR RD, BEN LOMOND, CA 95005-9446

Mortgage

Document Number	0000037445
Date	Dec 2, 2019
Instrument	2019-0037445

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

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		$668,196 (+2%) Land $534,334 Building $133,862
2025	$7,984.00 (+4.53%) Homeowner's exemption	$655,094 (+4.04%) Land $523,856 Building $131,238
2023	$7,638.00 (+2.44%) Homeowner's exemption	$629,656 Land $503,514 Building $126,142	$670,950
2022	$7,456.00

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 A, 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	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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 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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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