Santa Cruz County property record for 185 Arden Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,038 sqft · built 1974 |
| Lot Size | 0.419 acres (18,252 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $900,000 (Feb 2018) |
| Tax Bill | $12,343 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-073-27 |
| Primary APN | 072-073-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 2,238 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Duplex Single |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 18,252 sqft (0.419 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 580 sqft |
| Patio Area | 580 sqft |
| Total Buildings | 2 Buildings |
| Street Address | 185 ARDEN AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Subdivision | ORDWAY |
| Legal Block | 7 |
| Legal Lot Number | 1-5 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 120302 |
185 Arden Ave is owned and occupied by two individuals who bought it in February 2018.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 24, 2022 | Deed of Trust, Mortgage · Line of Credit BAY FCU |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Feb 12, 2018 | Grant Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Nov 6, 2017 | Deed of Trust, Mortgage · Conventional with PMI CENTER STREET LENDING FUND IV SPE LLC CENTER STREET LENDING FUND IV SPE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on File |
| Deed Sale | Feb 12, 2018 · Amount on File |
| Prior Sale | Oct 2, 2013 · Amount on File |
| Deed Document Number | 20184298 |
| Prior Transfer Date | Sep 10, 2013 |
| Prior Transfer Doc | 0000047898 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Document Number | 0000028993 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 2022-0028993 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Dec 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Document Number | 0000034154 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020-0034154 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BAKERSFIELD, CA 93309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 1, 2045 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 12, 2018 |
| Property Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Document Number | 0000004298 |
| Map Reference | MB 16 PG 11 |
| Instrument Date | Feb 5, 2018 |
| Instrument | 2018-0004298 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Document Number | 0000004299 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 2018-0004299 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 185 ARDEN AVE, BEN LOMOND, CA 95005-9748 |
| Document Number | 0000037780 |
| Instrument Date | Nov 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | LAWYERS TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 2690 MIRABELLA ST HENDERSON NV 890523172, HENDERSON, NV 89052-3172 |
| Document Number | 0000037780 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 37780 |
| Name | CENTER STREET LENDING FUND IV SPE LLC CENTER STREET LENDING FUND IV SPE LLC |
|---|---|
| Type | Bank |
| Address | IRVINE, CA 92612 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 185 Arden Ave was $12,343 with a homeowner's exemption.
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 |
|---|---|---|
| 2026 | $1,044,528 (+2%) Land $696,352 Building $348,176 | |
| 2025 | $12,343.00 Homeowner's exemption | $1,024,047 Land $682,698 Building $341,349 |
| 2023 | $11,870.00 (+2.38%) Homeowner's exemption | $984,282 Land $656,188 Building $328,094 |
| 2022 | $11,594.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 185 Arden Ave in Zone X, an area of minimal flood risk, within 500 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 500 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 185 Arden 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 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 208 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 |
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