214 Locust St, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 214 Locust St, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,566 sqft · built 1971
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$224,500 (Jun 1994)
Tax Bill	$4,855 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077-184-14`

Property Details

APN / Parcel Number

Primary APN	`077-184-14`
Alternative APN	`077-184-14-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,566 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Terrain	Steep
Deck Area	303 sqft
Patio Area	303 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	214 LOCUST ST
City	BEN LOMOND
State	CA
Zip	95005-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	EAST BEN LOMOND
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3024
Census Tract	120301

Owner

214 Locust St is owned and occupied by two individuals who bought it in June 1994.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	214 LOCUST ST, BEN LOMOND, CA 95005-9423
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
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANLOCK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 1994 · Amount on File
Deed Sale	Jun 27, 1994 · Amount on File
Deed Document Number	199446652
Deed Book / Page	5528 / 890
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	214 LOCUST ST, BEN LOMOND, CA 95005-9423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000964
Date	Jan 10, 2020
Instrument	2020-0000964

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	214 LOCUST ST, BEN LOMOND, CA 95005-9423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 LOCUST ST, BEN LOMOND, CA 95005-9423

Mortgage

Document Number	0000003783
Date	Jan 22, 2021
Instrument	2021-0003783

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	214 LOCUST ST, BEN LOMOND, CA 95005-9423
Document Number	0000029818
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	214 LOCUST ST BEN LOMOND CA 950059423, BEN LOMOND, CA 95005-9423

Mortgage

Document Number	0000029818
Date	Aug 6, 2020
Instrument	29818

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	214 LOCUST ST, BEN LOMOND, CA 95005-9423
Document Number	0000028723
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	214 LOCUST ST BEN LOMOND CA 950059423, BEN LOMOND, CA 95005-9423

Mortgage

Document Number	0000028723
Date	Aug 29, 2017
Instrument	28723

Lender

Name	LOANLOCK
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 214 Locust St was $4,855 with a homeowner's exemption.

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		$389,226 (+2%) Land $208,048 Building $181,178
2025	$4,855.00 Homeowner's exemption	$381,594 Land $203,969 Building $177,625
2023	$4,602.00 (+2.49%) Homeowner's exemption	$366,776 Land $196,048 Building $170,728	$837,720
2022	$4,490.00

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

Flood

FEMA maps place 214 Locust St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

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 File median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1982–2000)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 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

Wildfire risk around 214 Locust St 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	Direct 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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