Santa Cruz County property record for 220 Stephens Ln, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,260 sqft · built 1960 |
| Lot Size | 3.62 acres (158,079 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Jul 2007) |
| Tax Bill | $12,518 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-091-38 |
| Primary APN | 078-091-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 3,260 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 158,079 sqft |
| Garage Type | Carport |
| Garage Area | 306 sqft |
| Carport | Carport |
| Carport Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|
| Street Address | 220 STEPHENS LN |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 120301 |
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 STEPHENS LN, BEN LOMOND, CA 95005-9279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2007 · Amount on Record |
| Deed Sale | Jul 11, 2007 · Amount on Record |
| Prior Sale | May 28, 1997 · Amount on Record |
| Deed Document Number | 200737988 |
| Last Transfer Date | Mar 13, 2013 |
| Transfer Doc | 0000014220 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 220 STEPHENS LN, BEN LOMOND, CA 95005-9279 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 220 STEPHENS LN, BEN LOMOND, CA 95005-9279 |
| Document Number | 0000024555 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021-0024555 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | EL PASO, TX 79925 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,071,837 (+2%) Land $515,821 Building $556,016 | ||
| 2025 | $12,518.00 (+3.3%) Homeowner's exemption | $1,050,820 (+4.04%) Land $505,706 Building $545,114 | |
| 2023 | $12,118.00 (+2.39%) | $1,010,016 Land $486,069 Building $523,947 | $991,350 |
| 2022 | $11,835.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 13 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 20 (1980–2017) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Mar 2017 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 69% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G and 4G LTE (outdoors only)
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