220 Estates Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 220 Estates Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1961
Lot Size	0.288 acres (12,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Aug 2022)
Tax Bill	$14,868 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`077-062-23`

Property Details

APN / Parcel Number

Primary APN	`077-062-23`
Alternative APN	`077-062-23-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,884 sqft Living Area
Gross Area	2,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,545 sqft (0.288 acres)
Terrain	Steep
View / Lot	Valley
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	220 ESTATES DR
City	BEN LOMOND
State	CA
Zip	95005-9444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3024
Census Tract	120301

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 Record	2 Individual Names on Record
Mailing Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 3, 2022	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Dec 9, 2021	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Apr 5, 2013 · Amount on Record
Deed Document Number	202222364
Prior Transfer Date	Feb 21, 1995
Prior Transfer Doc	0000009948
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444

Mortgage

Document Number	0000006033
Date	Mar 20, 2026
Instrument	2026-0006033

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 3, 2022
Property Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444
Document Number	0000022364
Instrument Date	Jul 26, 2022
Instrument	2022-0022364
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
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	220 ESTATES DR, BEN LOMOND, CA 95005-9444

Mortgage

Document Number	0000022365
Date	Aug 3, 2022
Instrument	2022-0022365

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444

Mortgage

Document Number	0000059673
Date	Dec 9, 2021
Instrument	2021-0059673

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444

Mortgage

Document Number	0000009641
Date	Feb 16, 2021
Instrument	2021-0009641

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	220 ESTATES DR, BEN LOMOND, CA 95005-9444
Document Number	0000024432
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	220 ESTATES DR BEN LOMOND CA 950059444, BEN LOMOND, CA 95005-9444

Mortgage

Document Number	0000024432
Date	Jul 25, 2017
Instrument	24432

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2032

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		$1,273,449 (+2%) Land $955,087 Building $318,362
2025	$14,868.00 (+3.98%)	$1,248,480 (+4.04%) Land $936,360 Building $312,120
2024	$14,299.00 (-0.15%)
2023	$14,320.00 (+87.56%)	$1,200,000 Land $900,000 Building $300,000	$1,050,750
2022	$7,635.00

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 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.05% 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 263 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

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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