180 Locust Ln, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 180 Locust Ln, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,115 sqft · built 1961
Lot Size	0.391 acres (17,032 sqft)
Owner	Individual Name on Record
Last Sale	$905,000 (Jul 2017)
Tax Bill	$12,362 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-163-02`

Property Details

APN / Parcel Number

Primary APN	`072-163-02`
Alternative APN	`072-163-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area
Gross Area	2,555 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	17,032 sqft (0.391 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	180 LOCUST LN
City	BEN LOMOND
State	CA
Zip	95005-9731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	SUNNYCROFT
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2025
Census Tract	120302

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	Individual Name on Record
Mailing Address	180 LOCUST LN, BEN LOMOND, CA 95005-9731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 26, 2017	Grant Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2017 · Amount on Record
Deed Sale	Jul 26, 2017 · Amount on Record
Prior Sale	Aug 29, 2014 · Amount on Record
Deed Document Number	201724511
Prior Transfer Date	Sep 6, 2016
Prior Transfer Doc	0000035380
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	180 LOCUST LN, BEN LOMOND, CA 95005-9731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019401
Date	Jun 5, 2020
Instrument	2020-0019401

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2020
Property Address	180 LOCUST LN, BEN LOMOND, CA 95005-9731
Document Number	0000056199
Instrument Date	Dec 18, 2020
Instrument	56199
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 26, 2017
Property Address	180 LOCUST LN, BEN LOMOND, CA 95005-9731
Document Number	0000024511
Map Reference	MB26 PG25
Instrument Date	Jul 19, 2017
Instrument	2017-0024511
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	180 LOCUST LN, BEN LOMOND, CA 95005-9731

Mortgage

Document Number	0000024512
Date	Jul 26, 2017
Instrument	2017-0024512

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$1,050,330 (+2%) Land $630,198 Building $420,132
2025	$12,362.00 (+3.99%)	$1,029,735 (+4.04%) Land $617,841 Building $411,894
2023	$11,888.00 (+2.39%)	$989,750 Land $593,850 Building $395,900	$951,030
2022	$11,611.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% 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 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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