Santa Cruz County property record for 207 Rowardennan Dr, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1975 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $528,000 (Aug 2015) |
| Tax Bill | $7,645 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-162-05 |
| Primary APN | 077-162-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,152 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,968 sqft (0.137 acres) |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 207 ROWARDENNAN DR |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Description | BLK B LOT 12 |
| Legal Subdivision | ROWARDENNAN HOTEL & RIVERSIDE |
| Legal Block | B |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 120302 |
207 Rowardennan Dr is owned and occupied by two individuals who bought it in August 2015.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 207 ROWARDENNAN DR, BEN LOMOND, CA 95005-9342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 16, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ELO GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2015 · Amount on File |
| Deed Sale | Aug 14, 2015 · Amount on File |
| Prior Sale | Nov 21, 2012 · Amount on File |
| Deed Document Number | 201533272 |
| Prior Transfer Date | Sep 22, 2010 |
| Prior Transfer Doc | 0000038892 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 207 ROWARDENNAN DR, BEN LOMOND, CA 95005-9342 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 207 ROWARDENNAN DR, BEN LOMOND, CA 95005-9342 |
| Document Number | 0000015341 |
|---|---|
| Date | Aug 16, 2023 |
| Instrument | 2023-0015341 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 207 ROWARDENNAN DR, BEN LOMOND, CA 95005-9342 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000045501 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-0045501 |
| Name | ELO GROUP INC |
|---|---|
| Type | Non-Lending Institution |
| Address | LINCOLN, CA 95648 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 207 Rowardennan Dr was $7,645 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 | $637,546 (+2%) Land $446,282 Building $191,264 | ||
| 2025 | $7,645.00 Homeowner's exemption | $625,046 Land $437,532 Building $187,514 | |
| 2023 | $7,390.00 (+2.43%) | $600,774 Land $420,542 Building $180,232 | $658,980 |
| 2022 | $7,215.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 207 Rowardennan Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 207 Rowardennan Dr is low, with a 0.02% 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 | 0.02% 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 252 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 |
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