175 Estates Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 175 Estates Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,062 sqft · built 1970
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$765,000 (Sep 2019)
Tax Bill	$10,069 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`077-062-04`

Property Details

APN / Parcel Number

Primary APN	`077-062-04`
Alternative APN	`077-062-04-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,062 sqft Living Area
Gross Area	2,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	175 ESTATES DR
City	BEN LOMOND
State	CA
Zip	95005-9438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP 1451 PG 586 4
Legal Subdivision	SANTA CRUZ LAND TITLE CO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3024
Census Tract	120301

Owner

Source: Santa Cruz County assessment roll, 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	Individual Name on File
Mailing Address	175 ESTATES DR, BEN LOMOND, CA 95005-9438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Dec 2, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 25, 2019	Grant Deed, Transfer · ARM UMPQUA BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Nov 6, 1997 · Amount on Record
Deed Document Number	201929099
Last Transfer Date	Oct 16, 2019
Transfer Doc	0000037443
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	175 ESTATES DR, BEN LOMOND, CA 95005-9438
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 ESTATES DR, BEN LOMOND, CA 95005-9438

Mortgage

Document Number	0000043532
Date	Aug 20, 2021
Instrument	2021-0043532

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2019
Property Address	175 ESTATES DR, BEN LOMOND, CA 95005-9438
Document Number	0000037443
Instrument Date	Oct 16, 2019
Instrument	37443
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	175 ESTATES DR BEN LOMOND CA 950059438, BEN LOMOND, CA 95005-9438

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 25, 2019
Property Address	175 ESTATES DR, BEN LOMOND, CA 95005-9438
Document Number	0000029099
Instrument Date	Sep 17, 2019
Instrument	2019-0029099
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 with Right of Survivorship
Address	175 ESTATES DR, BEN LOMOND, CA 95005-9438

Mortgage

Document Number	0000029100
Date	Sep 25, 2019
Instrument	2019-0029100

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

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		$853,372 (+2%) Land $596,803 Building $256,569
2025	$10,069.00 (+4.22%) Homeowner's exemption	$836,640 (+4.04%) Land $585,101 Building $251,539
2023	$9,661.00 (+2.42%) Homeowner's exemption	$804,152 Land $562,381 Building $241,771	$818,550
2022	$9,433.00

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 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1982–2000)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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

5G (outdoors only) and 4G LTE

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