Santa Cruz County property record for 175 Stephens Ln, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,887 sqft · built 2024 |
| Lot Size | 1.66 acres (72,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,450,000 (Sep 2018) |
| Tax Bill | $21,692 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-091-41 |
| Primary APN | 078-091-41 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Building Area | 4,887 sqft Living Area |
| Gross Area | 5,561 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 72,440 sqft |
| Terrain | Combination |
| Garage Type | Attached |
| Garage Area | 674 sqft |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|
| Street Address | 175 STEPHENS LN |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 120301 |
Source: Santa Cruz County records · APN 078-091-41
Assessment roll updated August 19, 2026 · Last verified August 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 STEPHENS LN, BEN LOMOND, CA 95005-9296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Sep 11, 2018 | Grant Deed, Transfer OPES ADVISORS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on Record |
| Deed Sale | Sep 11, 2018 · Amount on Record |
| Prior Sale | Jul 02, 2008 · Amount on Record |
| Deed Document Number | 201827823 |
| Prior Transfer Date | Nov 30, 2005 |
| Prior Transfer Doc | 0000083945 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 175 STEPHENS LN, BEN LOMOND, CA 95005-9296 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000012960 |
|---|---|
| Date | May 15, 2019 |
| Instrument | 2019-0012960 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 175 STEPHENS LN, BEN LOMOND, CA 95005-9296 |
| Document Number | 0000015052 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 175 STEPHENS LN BEN LOMOND CA 950059296, BEN LOMOND, CA 95005-9296 |
| Document Number | 0000015052 |
|---|---|
| Date | May 01, 2020 |
| Instrument | 15052 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 30, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 11, 2018 |
| Property Address | 175 STEPHENS LN, BEN LOMOND, CA 95005-9296 |
| Document Number | 0000027823 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 27823 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,595.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 175 STEPHENS LN BEN LOMOND CA 950059296, BEN LOMOND, CA 95005-9296 |
| Document Number | 27824 |
|---|---|
| Date | Sep 11, 2018 |
| Instrument | 27824 |
| Name | OPES ADVISORS |
|---|---|
| Address | TROY, MI 48098 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Sep 10, 2033 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,907,351 (+2%) Land $824,926 Building $1,082,425 | ||
| 2025 | $21,692.00 (+253.06%) Homeowner's exemption | $1,869,952 (+256.18%) Land $808,751 Building $1,061,201 | |
| 2023 | $6,144.00 (+26.11%) Homeowner's exemption | $525,000 Land $400,000 Building $125,000 | $1,457,280 |
| 2022 | $4,872.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| Wildfire Risk | Moderate above 51% of the US · lower than 69% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 17 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAN LORENZO VALLEY WATER DIST serves 21,513 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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