Santa Cruz County property record for 181 Cottage Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,921 sqft · built 1911 |
| Lot Size | 0.596 acres (25,962 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $556,000 (Dec 2006) |
| Tax Bill | $9,098 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-212-37 |
| Primary APN | 072-212-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,921 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 25,962 sqft (0.596 acres) |
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Street Address | 181 COTTAGE AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-20 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 120302 |
181 Cottage Ave is owned by two individuals who bought it in December 2006.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2240 GLEN HAVEN BLVD, HOUSTON, TX 77030-3606 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2006 · Amount on File |
| Deed Sale | Dec 29, 2006 · Amount on File |
| Deed Document Number | 200675021 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 181 Cottage Ave was $9,098.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $759,823 (+2%) Land $437,309 Building $322,514 | ||
| 2025 | $9,098.00 | $744,924 Land $428,734 Building $316,190 | |
| 2023 | $8,722.00 (+2.41%) | $715,998 Land $412,086 Building $303,912 | $840,150 |
| 2022 | $8,517.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 181 Cottage Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 risk around 181 Cottage Ave is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| 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.
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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