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182 Figone Ln, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 182 Figone Ln, Ben Lomond, CA 95005

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,169 sqft · built 1998
Lot Size2.86 acres (124,756 sqft)
Owner2 Individual Names on File
Last Sale$150,000 (Jan 1997)
Tax Bill$7,335 (2025)
Deeds & MortgagesDec 2021 Mortgage
Jul 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN077-032-26

Property Details

APN / Parcel Number

Primary APN077-032-26
Alternative APN
  • 077-032-26-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area2,169 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area124,756 sqft
Deck Area945 sqft
Patio Area945 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address182 FIGONE LN
CityBEN LOMOND
StateCA
Zip95005-9448
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA
Legal DescriptionTWP 10S RGE 02W SEC 04
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSAN LORENZO VALLEY
Census Block Group3
Census Block3024
Census Tract120301

Owner

Source: Santa Cruz County records · APN 077-032-26

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 Record2 Individual Names on File
Mailing Address182 FIGONE LN, BEN LOMOND, CA 95005-9448
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 06, 2021Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA
Jul 05, 2017Deed of Trust, Mortgage · Line of Credit
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 27, 1997 · Amount on Record
Deed SaleJan 27, 1997 · Amount on Record
Deed Document Number19974100
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address182 FIGONE LN, BEN LOMOND, CA 95005-9448
Transaction TypeMortgage
Record UpdatedDec 23, 2021
Title CompanyTICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address182 FIGONE LN, BEN LOMOND, CA 95005-9448

Mortgage

Document Number0000059163
DateDec 06, 2021
Instrument2021-0059163
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address182 FIGONE LN, BEN LOMOND, CA 95005-9448
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyAMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000021939
DateJul 05, 2017
Instrument2017-0021939
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 22, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictSan Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$587,968 (+2%) Land $268,738 Building $319,230
2025$7,335.00 (+4.61%)$576,439 (+4.04%) Land $263,468 Building $312,971
2023$7,012.00 (+2.36%)$554,055 Land $253,237 Building $300,818$775,710
2022$6,850.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871203013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims15 (1982–2000)
Claims Outside the SFHA5 of 15
Most Recent ClaimFeb 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

Wildfire

Wildfire RiskModerate
above 44% of the US · lower than 74% of California
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
Surfnet Communications
Fixed Wireless		100 / 20

Based on FCC filings for 23 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA4410014, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSAN LORENZO VALLEY WATER DIST
serves 21,513 people
Water SourceSurface water
Last State InspectionApr 2025
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting1
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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