Santa Cruz County property record for 170 Cottage Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,234 sqft · built 1961 |
| Lot Size | 0.543 acres (23,653 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Sep 2024) |
| Tax Bill | $9,729 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-213-14 |
| Primary APN | 072-213-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 3,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 23,653 sqft (0.543 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 18 sqft |
| Patio Area | 18 sqft |
| Total Buildings | 3 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 170 COTTAGE AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-20 |
| Legal Subdivision | ESTATE/G MADIGAN |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 120302 |
170 Cottage Ave is owned and occupied by two individuals who bought it in September 2024.
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 Individual Names on File |
|---|---|
| Mailing Address | 170 COTTAGE AVE, BEN LOMOND, CA 95005-9721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2024 · Amount on File |
| Deed Sale | Sep 25, 2024 · Amount on File |
| Prior Sale | Aug 24, 2016 · Amount on File |
| Deed Document Number | 202418701 |
| Prior Transfer Date | Aug 17, 2016 |
| Prior Transfer Doc | 0000031532 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 170 Cottage Ave was $9,729.
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 | $816,000 (+2%) Land $587,520 Building $228,480 | ||
| 2025 | $9,729.00 | $800,000 Land $576,000 Building $224,000 | |
| 2023 | $8,086.00 (+2.42%) | $660,945 Land $489,799 Building $171,146 | $843,750 |
| 2022 | $7,895.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 170 Cottage Ave 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 |
|
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 170 Cottage Ave is low, with a 0.04% 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 | 0.04% 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.
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 128 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: Cruzio.
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