212 Riverside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 212 Riverside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,189 sqft · built 1922
Lot Size	0.399 acres (17,380 sqft)
Owner	2 Individual Names on File
Last Sale	$947,500 (Mar 2023)
Tax Bill	$11,804 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2026 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`077-172-13`

Property Details

APN / Parcel Number

Primary APN	`077-172-13`
Alternative APN	`077-172-13-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Building Area	1,189 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	17,380 sqft (0.399 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	352 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	212 RIVERSIDE AVE
City	BEN LOMOND
State	CA
Zip	95005-9588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	A077 17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2011
Census Tract	120302

Owner

212 Riverside Ave is owned and occupied by two individuals who bought it in March 2023.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CREDIT UNION
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 7, 2023	Grant Deed, Transfer · Commercial Mortgage HISS/KATZ 1998 FAMILY TRUST
Nov 5, 2020	Deed of Trust, Mortgage · Conventional with PMI BBVA USA
Nov 6, 2020	Grant Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on File
Deed Sale	Mar 7, 2023 · Amount on File
Prior Sale	Nov 6, 2020 · Amount on File
Deed Document Number	20233807
Prior Transfer Date	Jul 23, 2009
Prior Transfer Doc	0000038720
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 22, 2026
Property Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Document Number	0000016556
Instrument Date	Jul 16, 2026
Instrument	202616556
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588

Mortgage

Document Number	0000016556,
Date	Jul 22, 2026
Instrument	202616556

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	WFG CA CENTRAL RW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588

Mortgage

Document Number	0000006744
Date	Mar 27, 2026
Instrument	2026-0006744

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588

Mortgage

Document Number	0000010109
Date	Jun 8, 2023
Instrument	2023-0010109

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 7, 2023
Property Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Document Number	0000003807
Instrument Date	Feb 21, 2023
Instrument	2023-0003807
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,042.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588

Mortgage

Document Number	0000003808
Date	Mar 7, 2023
Instrument	2023-0003808

Lender

Name	HISS/KATZ 1998 FAMILY TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Document Number	0000046744
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	212 RIVERSIDE AVE BEN LOMOND CA 95005, BEN LOMOND, CA 95005

Mortgage

Document Number	0000046744
Date	Nov 6, 2020
Instrument	46744

Lender

Name	BBVA USA
Address	BIRMINGHAM, AL 35296

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 6, 2020
Property Address	212 RIVERSIDE AVE, BEN LOMOND, CA 95005-9588
Document Number	0000046743
Instrument Date	Oct 29, 2020
Instrument	46743
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Tax	$880.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	212 RIVERSIDE AVE BEN LOMOND CA 95005, BEN LOMOND, CA 95005

Tax Assessment & Valuation

The 2025 property tax bill for 212 Riverside Ave was $11,804 with a homeowner's exemption, up 17.9% from the year before.

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		$1,005,229 (+2%) Land $703,660 Building $301,569
2025	$11,804.00 (+17.93%) Homeowner's exemption	$985,519 Land $689,863 Building $295,656
2024	$10,009.00 (-0.87%)
2023	$10,097.00 (+2.39%)	$832,320 Land $624,240 Building $208,080	$824,130
2022	$9,861.00

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

Flood

FEMA maps place 212 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	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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

Wildfire risk around 212 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.

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 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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