190 Circle Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 190 Circle Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1957
Lot Size	0.315 acres (13,721 sqft)
Owner	2 Individual Names on File
Last Sale	$379,000 (Nov 2001)
Tax Bill	$6,898 (2025)
Flood Zone	Zone X (minimal risk)
APN	`077-231-12`

Property Details

APN / Parcel Number

Primary APN	`077-231-12`
Alternative APN	`077-231-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,470 sqft Living Area
Gross Area	1,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	13,721 sqft (0.315 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	222 sqft
Patio Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	190 CIRCLE DR
City	BEN LOMOND
State	CA
Zip	95005-9419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3024
Census Tract	120301

Owner

Source: Santa Cruz County records · APN 077-231-12

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 Record	2 Individual Names on File
Mailing Address	190 CIRCLE DR, BEN LOMOND, CA 95005-9419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 09, 2001 · Amount on Record
Deed Sale	Nov 09, 2001 · Amount on Record
Prior Sale	Aug 28, 1996 · Amount on Record
Deed Document Number	200170850
Last Transfer Date	Nov 13, 2003
Transfer Doc	0000114876
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$571,097 (+2%) Land $316,440 Building $254,657
2025	$6,898.00 (+4.77%) Homeowner's exemption	$559,899 (+4.04%) Land $310,235 Building $249,664
2023	$6,584.00 (+2.44%) Homeowner's exemption	$538,157 Land $298,188 Building $239,969	$779,850
2022	$6,427.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1982–2000)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 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 Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications, T-Mobile USA.

Based on FCC filings for 288 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 System	SAN LORENZO VALLEY WATER DIST serves 21,513 people
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 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.