Santa Cruz County property record for 221 Arnold Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,777 sqft · built 1976 |
| Lot Size | 0.338 acres (14,723 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,000 (Jan 2011) |
| Tax Bill | $5,628 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-032-22 |
| Primary APN | 077-032-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,777 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 14,723 sqft (0.338 acres) |
| Terrain | Steep |
| Garage Type | Carport |
| Garage Area | 560 sqft |
| Carport | Carport |
| Carport Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 1,440 sqft |
| Patio Area | 1,440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 221 ARNOLD AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9456 |
| 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 | 3025 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 221 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · Commercial Mortgage COMERICA BANK |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2011 · Amount on Record |
| Deed Sale | Jan 28, 2011 · Amount on Record |
| Prior Sale | Aug 17, 2010 · Amount on Record |
| Deed Document Number | 20114622 |
| Last Transfer Date | Jun 5, 2024 |
| Transfer Doc | 0000011120 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 221 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 221 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000006492 |
|---|---|
| Date | Apr 14, 2023 |
| Instrument | 2023-0006492 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 18, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 221 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 221 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000034825 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 2020-0034825 |
| Name | PREMIER MORTGAGE RESOURCES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PORTLAND, OR 97209 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
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 | $450,846 (+2%) Land $228,690 Building $222,156 | ||
| 2025 | $5,628.00 (+5.1%) | $442,006 (+4.04%) Land $224,206 Building $217,800 | |
| 2023 | $5,355.00 (+2.45%) | $424,843 Land $215,500 Building $209,343 | $675,630 |
| 2022 | $5,227.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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 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.
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 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.
5G (outdoors only) and 4G LTE
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