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195 Estates Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 195 Estates Dr, Ben Lomond, CA 95005

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,313 sqft · built 1963
Lot Size0.283 acres (12,327 sqft)
Owner2 Individual Names on Record
Last Sale$430,000 (Jul 2001)
Tax Bill$7,762 (2025)
Deeds & MortgagesAug 2021 Mortgage
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN077-062-05

Property Details

APN / Parcel Number

Primary APN077-062-05
Alternative APN
  • 077-062-05-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,313 sqft Living Area
Gross Area1,793 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleContemporary
Exterior MaterialWood Siding
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area12,327 sqft (0.283 acres)
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address195 ESTATES DR
CityBEN LOMOND
StateCA
Zip95005-9438
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-15
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSAN LORENZO VALLEY
Census Block Group3
Census Block3024
Census Tract120301

Owner

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 Record2 Individual Names on Record
Mailing Address195 ESTATES DR, BEN LOMOND, CA 95005-9438
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Aug 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Oct 2, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 20, 2001 · Amount on Record
Deed SaleJul 20, 2001 · Amount on Record
Deed Document Number200144702
Last Transfer DateSep 17, 2002
Transfer Doc0000067336
Record UpdatedSep 20, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address195 ESTATES DR, BEN LOMOND, CA 95005-9438
Transaction TypeMortgage
Record UpdatedAug 26, 2021
Title CompanyAMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 ESTATES DR, BEN LOMOND, CA 95005-9438

Mortgage

Document Number0000042401
DateAug 13, 2021
Instrument2021-0042401
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2036

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address195 ESTATES DR, BEN LOMOND, CA 95005-9438
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 ESTATES DR, BEN LOMOND, CA 95005-9438

Mortgage

Document Number0000039677
DateOct 2, 2020
Instrument2020-0039677
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueOct 1, 2040

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictSan Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$647,951 (+2%) Land $414,387 Building $233,564
2025$7,762.00 (+4.58%) Homeowner's exemption$635,246 (+4.04%) Land $406,262 Building $228,984
2023$7,422.00 (+2.44%) Homeowner's exemption$610,579 Land $390,486 Building $220,093$768,510
2022$7,245.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims15 (1982–2000)
Claims Outside the SFHA5 of 15
Most Recent ClaimFeb 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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 40% of the US · lower than 76% of California
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSAN LORENZO VALLEY WATER DIST
serves 21,513 people · EPA ID CA4410014
Water SourceSurface water
Last State InspectionApr 2025
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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