Santa Cruz County property record for 190 Riverside Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,505 sqft · built 1905 |
| Lot Size | 0.307 acres (13,373 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $62,500 (Nov 2002) |
| Tax Bill | $6,955 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 077-172-08 |
| Primary APN | 077-172-08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,505 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 13,373 sqft (0.307 acres) |
| Deck Area | 388 sqft |
| Patio Area | 388 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 190 RIVERSIDE AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Description | LOT A |
| Legal Subdivision | LAMBS ADD |
| Legal Lot Number | A |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 120302 |
190 Riverside Ave is owned and occupied by two individuals who acquired it in November 2020.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 190 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2002 · Amount on File |
| Deed Sale | Nov 27, 2002 · Amount on File |
| Prior Sale | Sep 6, 2002 · Amount on File |
| Deed Document Number | 200287850 |
| Last Transfer Date | Nov 19, 2020 |
| Transfer Doc | 0000049646 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 190 RIVERSIDE AVE, BEN LOMOND, CA 95005-9509 |
| Document Number | 0000019665 |
| Instrument Date | Jun 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 190 RIVERSIDE AVE BEN LOMOND CA 950059509, BEN LOMOND, CA 95005-9509 |
| Document Number | 0000019665 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 19665 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2050 |
The 2025 property tax bill for 190 Riverside Ave was $6,955 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $576,151 (+2%) Land $443,193 Building $132,958 | ||
| 2025 | $6,955.00 Homeowner's exemption | $564,854 Land $434,503 Building $130,351 | |
| 2023 | $6,640.00 (+2.45%) Homeowner's exemption | $542,920 Land $417,631 Building $125,289 | $832,050 |
| 2022 | $6,481.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 Riverside Ave in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 190 Riverside Ave is low, with a 0.03% annual chance of wildfire.
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 288 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 |
May also be available: Surfnet Communications, T-Mobile.
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