170 Riverside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 170 Riverside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,312 sqft · built 1956
Lot Size	0.269 acres (11,718 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,790 (2025)
Deeds & Mortgages	May 2022 Transfer Aug 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`077-172-07`

Property Details

APN / Parcel Number

Primary APN	`077-172-07`
Alternative APN	`077-172-07-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,312 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,718 sqft (0.269 acres)
Terrain	Steep

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	170 RIVERSIDE AVE
City	BEN LOMOND
State	CA
Zip	95005-9509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP G5 931
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2011
Census Tract	120302

Owner

170 Riverside Ave is owned and occupied by two individuals who acquired it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
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
May 6, 2022	Intrafamily Transfer, Transfer
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Apr 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 29, 2022
Transfer Doc	0000014525
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 6, 2022
Property Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Document Number	0000014525
Instrument Date	Apr 29, 2022
Instrument	2022-0014525
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509

Mortgage

Document Number	0000043814
Date	Aug 23, 2021
Instrument	2021-0043814

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003098
Date	Jan 28, 2020
Instrument	2020-0003098

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	170 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509
Document Number	0000012573
Instrument Date	Apr 8, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	170 RIVERSIDE AVE BEN LOMOND CA 950059509, BEN LOMOND, CA 95005-9509

Mortgage

Document Number	0000012573
Date	Apr 17, 2017
Instrument	12573

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 170 Riverside Ave was $1,790 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	Assessed Market Value
2026		$116,386 (+2%) Land $38,394 Building $77,992
2025	$1,790.00 Homeowner's exemption	$114,105 Land $37,642 Building $76,463
2023	$1,629.00 (+2.78%) Homeowner's exemption	$109,673 Land $36,180 Building $73,493	$501,840
2022	$1,585.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 170 Riverside Ave in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 170 Riverside Ave is low, with a 0.03% 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	0.03% 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 288 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

May also be available: Surfnet Communications, T-Mobile.

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