210 Morningside Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 210 Morningside Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,367 sqft · built 1965
Lot Size	0.224 acres (9,757 sqft)
Owner	Company Name on File
Tax Bill	$2,927 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-273-32`

Property Details

APN / Parcel Number

Primary APN	`072-273-32`
Alternative APN	`072-273-32-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,367 sqft Living Area
Gross Area	1,747 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Other
Lot Area	9,757 sqft (0.224 acres)
View / Lot	Mountain
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	368 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	210 MORNINGSIDE DR
City	BEN LOMOND
State	CA
Zip	95005-9528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	LARITA OAKS
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1009
Census Tract	120600

Owner

Source: Santa Cruz County assessment roll, 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 Record	Company Name on File
Mailing Address	210 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit CITIBANK NA
Sep 28, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage ANCHOR FUNDING INC
Oct 2, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 12, 2017
Transfer Doc	0000032764
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	210 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040164
Date	Dec 19, 2019
Instrument	2019-0040164

Lender

Name	CITIBANK NA
Type	Bank
Address	BEN LOMOND, CA 95005

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 28, 2017
Property Address	210 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Document Number	0000032434
Map Reference	VOL33 PG36
Instrument Date	Sep 12, 2017
Instrument	2017-0032434
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528

Mortgage

Document Number	0000032435
Date	Sep 28, 2017
Instrument	2017-0032435

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 2, 2017
Property Address	210 MORNINGSIDE DR, BEN LOMOND, CA 95005-9528
Document Number	0000032764
Instrument Date	Sep 12, 2017
Instrument	32764
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	210 MORNINGSIDE DR BEN LOMOND CA 950059528, BEN LOMOND, CA 95005-9528

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$217,552 (+2%) Land $103,595 Building $113,957
2025	$2,927.00 (+7.18%) Homeowner's exemption	$213,287 (+4.04%) Land $101,564 Building $111,723
2023	$2,731.00 (+2.59%) Homeowner's exemption	$205,004 Land $97,620 Building $107,384	$854,370
2022	$2,662.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1995–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

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, 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 275 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Surfnet Communications.

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