180 Main St, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 180 Main St, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,016 sqft · built 1890
Lot Size	0.149 acres (6,490 sqft)
Owner	Trust Name on Record
Last Sale	$160,000 (May 2019)
Tax Bill	$9,477 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077-102-01`

Property Details

APN / Parcel Number

Primary APN	`077-102-01`
Alternative APN	`077-102-01-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,490 sqft (0.149 acres)
Terrain	Steep
Deck Area	38 sqft
Patio Area	38 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	180 MAIN ST
City	BEN LOMOND
State	CA
Zip	95005-9303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Subdivision	BEN LOMOND
Legal Lot Number	1,2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2005
Census Tract	120302

Owner

Source: Santa Cruz County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	180 MAIN ST, BEN LOMOND, CA 95005-9303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2019	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST TECHNOLOGY FEDERAL CU
Jan 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 2, 2019	Grant Deed, Transfer · Conventional Mortgage FIRST TECHNOLOGY FEDERAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2019 · Amount on Record
Deed Sale	May 2, 2019 · Amount on Record
Prior Sale	Aug 3, 2005 · Amount on Record
Deed Document Number	201911544
Last Transfer Date	Jan 2, 2020
Transfer Doc	0000000510
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	180 MAIN ST, BEN LOMOND, CA 95005-9303
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015355
Date	Jun 6, 2019
Instrument	2019-0015355

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	180 MAIN ST, BEN LOMOND, CA 95005-9303
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 MAIN ST, BEN LOMOND, CA 95005-9303

Mortgage

Document Number	0000000039
Date	Jan 4, 2021
Instrument	2021-0000039

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 7, 2020
Property Address	180 MAIN ST, BEN LOMOND, CA 95005-9303
Document Number	0000000510
Instrument Date	Jan 2, 2020
Instrument	510
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	180 MAIN ST BEN LOMOND CA 950059303, BEN LOMOND, CA 95005-9303

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 2, 2019
Property Address	180 MAIN ST, BEN LOMOND, CA 95005-9303
Document Number	0000011544
Map Reference	MB 10 PG 10
Instrument Date	Mar 13, 2019
Instrument	2019-0011544
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	180 MAIN ST, BEN LOMOND, CA 95005-9303

Mortgage

Document Number	0000011545
Date	May 2, 2019
Instrument	2019-0011545

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2049

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
2026		$790,022 (+2%) Land $538,503 Building $251,519
2025	$9,477.00 (+4.31%) Homeowner's exemption	$774,531 (+4.04%) Land $527,944 Building $246,587
2024	$9,085.00 (-0.04%)
2023	$9,089.00 (+2.4%) Homeowner's exemption	$744,456 Land $507,444 Building $237,012
2022	$8,876.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 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 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.

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