225 E Terrace Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 225 E Terrace Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,165 sqft · built 1976
Lot Size	0.37 acres (16,117 sqft)
Owner	Trust Name on Record
Tax Bill	$2,721 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071-101-49`

Property Details

APN / Parcel Number

Primary APN	`071-101-49`
Alternative APN	`071-101-49-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,165 sqft Living Area
Gross Area	2,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Deck Area	730 sqft
Patio Area	730 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	225 E TERRACE DR
City	BEN LOMOND
State	CA
Zip	95005-9668
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	1
Census Block	1023
Census Tract	120600

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	Trust Name on Record
Mailing Address	225 E TERRACE DR, BEN LOMOND, CA 95005-9668
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Jul 8, 2020	Quit Claim Deed, Transfer AMROCK INC
Mar 12, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Mar 12, 2019	Quit Claim Deed, Transfer AMROCK TITLE CA INC
Apr 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 15, 2020
Transfer Doc	0000024645
Record Updated	Sep 20, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 8, 2020
Property Address	225 E TERRACE DR, BEN LOMOND, CA 95005-9668
Document Number	0000024643
Instrument Date	Apr 15, 2020
Instrument	24643
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E TERRACE DR BEN LOMOND CA 950059668, BEN LOMOND, CA 95005-9668

Mortgage

Document Number	24644
Date	Jul 8, 2020
Instrument	24644

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 8, 2020
Property Address	225 E TERRACE DR, BEN LOMOND, CA 95005-9668
Document Number	0000024645
Instrument Date	Apr 15, 2020
Instrument	24645
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	225 E TERRACE DR BEN LOMOND CA 950059668, BEN LOMOND, CA 95005-9668

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 12, 2019
Property Address	225 E TERRACE DR, BEN LOMOND, CA 95005-9668
Document Number	0000006250
Instrument Date	Mar 4, 2019
Instrument	6250
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	AMROCK TITLE CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E TERRACE DR BEN LOMOND CA 950059668, BEN LOMOND, CA 95005-9668

Mortgage

Document Number	6251
Date	Mar 12, 2019
Instrument	6251

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 12, 2019
Property Address	225 E TERRACE DR, BEN LOMOND, CA 95005-9668
Document Number	0000006252
Instrument Date	Mar 4, 2019
Instrument	6252
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	AMROCK TITLE CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	225 E TERRACE DR BEN LOMOND CA 950059668, BEN LOMOND, CA 95005-9668

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 12, 2018
Property Address	225 E TERRACE DR, BEN LOMOND, CA 95005-9668
Document Number	0000010967
Instrument Date	Mar 28, 2018
Instrument	10967
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	25 E TERRACE DR BEN LOMOND CA 95005, BEN LOMOND, CA 95005

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		$173,833 (+2%) Land $25,893 Building $147,940
2025	$2,721.00 (+17.03%) Homeowner's exemption	$170,424 (+4.04%) Land $25,385 Building $145,039
2023	$2,325.00 (+2.65%) Homeowner's exemption	$163,806 Land $24,399 Building $139,407	$1,064,160
2022	$2,265.00

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 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1995–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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