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190 Estates Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 190 Estates Dr, Ben Lomond, CA 95005 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,698 sqft · built 1963
Lot Size0.297 acres (12,937 sqft)
Owner2 Individual Names on File
Last Sale$888,000 (Aug 2018)
Tax Bill$11,913 (2025)
Deeds & MortgagesDec 2022 Transfer
Mar 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN077-062-21

Property Details

APN / Parcel Number

Primary APN077-062-21
Alternative APN
  • 077-062-21-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area1,698 sqft Living Area
Gross Area2,138 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area12,937 sqft (0.297 acres)
View / LotMountain
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Deck Area113 sqft
Patio Area113 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address190 ESTATES DR
CityBEN LOMOND
StateCA
Zip95005-9435
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSAN LORENZO VALLEY
Census Block Group3
Census Block3024
Census Tract120301

Owner

Source: Santa Cruz County records · APN 077-062-21

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 Address190 ESTATES DR, BEN LOMOND, CA 95005-9435
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2022Intrafamily Transfer, Transfer
Mar 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB
Dec 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB
Aug 28, 2018Grant Deed, Transfer
OPES ADVISORS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 28, 2018 · Amount on Record
Deed SaleAug 28, 2018 · Amount on Record
Prior SaleFeb 28, 2012 · Amount on Record
Deed Document Number201826376
Last Transfer DateDec 22, 2022
Transfer Doc0000034007
Record UpdatedSep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateDec 28, 2022
Property Address190 ESTATES DR, BEN LOMOND, CA 95005-9435
Document Number0000034007
Instrument DateDec 22, 2022
Instrument2022-0034007
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address190 ESTATES DR, BEN LOMOND, CA 95005-9435

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address190 ESTATES DR, BEN LOMOND, CA 95005-9435
Transaction TypeMortgage
Record UpdatedApr 02, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address190 ESTATES DR, BEN LOMOND, CA 95005-9435

Mortgage

Document Number0000016050
DateMar 18, 2021
Instrument2021-0016050
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address190 ESTATES DR, BEN LOMOND, CA 95005-9435
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000040396
DateDec 20, 2019
Instrument2019-0040396
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2050

August 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateAug 28, 2018
Property Address190 ESTATES DR, BEN LOMOND, CA 95005-9435
Document Number0000026376
Instrument DateAug 17, 2018
Instrument26376
Transaction TypeTransfer
Record UpdatedSep 14, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$976.80
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address190 ESTATES DR BEN LOMOND CA 950059435, BEN LOMOND, CA 95005-9435

Mortgage

Document Number26377
DateAug 28, 2018
Instrument26377
Lender
NameOPES ADVISORS
AddressTROY, MI 48098
Agreement
AmountAmount Recorded
Term360 Months
DueAug 27, 2048

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$1,010,393 (+2%) Land $687,067 Building $323,326
2025$11,913.00 (+4.02%)$990,581 (+4.04%) Land $673,595 Building $316,986
2023$11,453.00 (+2.39%)$952,116 Land $647,439 Building $304,677$889,380
2022$11,186.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871203013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 18 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies18 in force
15 of 18 on primary residences
Nearby Flood Claims15 (1982–2000)
Claims Outside the SFHA5 of 15
Most Recent ClaimFeb 2000, rainfall accumulation
Flood Events
  • 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 40% of the US · above 24% of California
Wildfire LikelihoodAbout 1 in 2,000 per year
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.

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