Santa Cruz County property record for 185 Main St, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,145 sqft · built 1901 |
| Lot Size | 0.089 acres (3,877 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $729,000 (Oct 2021) |
| Tax Bill | $9,427 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-101-12 |
| Primary APN | 077-101-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,145 sqft Living Area |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 3,877 sqft (0.089 acres) |
| Terrain | Steep |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 185 MAIN ST |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Subdivision | BEN LOMOND |
| Legal Block | 5 |
| Legal Lot Number | 6,7 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 120302 |
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 | 185 MAIN ST, BEN LOMOND, CA 95005-9303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2021 · Amount on Record |
| Deed Sale | Oct 22, 2021 · Amount on Record |
| Deed Document Number | 202153126 |
| Prior Transfer Date | Feb 1, 2005 |
| Prior Transfer Doc | 0000007661 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 22, 2021 |
| Property Address | 185 MAIN ST, BEN LOMOND, CA 95005-9303 |
| Document Number | 0000053126 |
| Map Reference | MB 10 PG 10 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 2021-0053126 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $801.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 185 MAIN ST, BEN LOMOND, CA 95005-9303 |
| Document Number | 0000053127 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 2021-0053127 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
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 | $789,093 (+2%) Land $631,274 Building $157,819 | ||
| 2025 | $9,427.00 (+4.27%) | $773,621 (+4.04%) Land $618,897 Building $154,724 | |
| 2023 | $9,041.00 (+2.4%) | $743,580 Land $594,864 Building $148,716 | $699,390 |
| 2022 | $8,829.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 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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