220 Sund Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 220 Sund Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 1,472 sqft · built 1984
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$870,000 (Mar 2026)
Tax Bill	$3,589 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`077-184-11`

Property Details

APN / Parcel Number

Primary APN	`077-184-11`
Alternative APN	`077-184-11-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,472 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	382 sqft
Patio Area	382 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	220 SUND AVE
City	BEN LOMOND
State	CA
Zip	95005-9424
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
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

220 Sund Ave, recreational vacant land, is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	220 SUND AVE, BEN LOMOND, CA 95005-9424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Mar 26, 2026	Grant Deed, Transfer · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Deed Document Number	20266557
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	220 SUND AVE, BEN LOMOND, CA 95005
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	MEMBERS TITLE LLC, MEMBERS TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SUND AVE, BEN LOMOND, CA 95005

Mortgage

Document Number	0000013159
Date	Apr 25, 2022
Instrument	2022-0013159

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2026
Property Address	220 SUND AVE, BEN LOMOND, CA 95005
Document Number	0000006557
Instrument Date	Mar 19, 2026
Instrument	2026-0006557
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SUND AVE, BEN LOMOND, CA 95005

Mortgage

Document Number	0000006558
Date	Mar 26, 2026
Instrument	2026-0006558

Lender

Name	BAY FCU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 220 Sund Ave was $3,589, up 8.5% 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		$269,354 (+2%) Land $82,876 Building $186,478
2025	$3,589.00 (+8.53%)	$264,073 Land $81,251 Building $182,822
2024	$3,307.00 (+0.33%)
2023	$3,296.00 (+2.55%) Homeowner's exemption	$253,819 Land $78,096 Building $175,723	$854,550
2022	$3,214.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 220 Sund Ave 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 220 Sund 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	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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