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

Santa Cruz County property record for 230 E Terrace Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,151 sqft · built 1975
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Trust Names on Record
Last Sale	$310,000 (Sep 1996)
Tax Bill	$10,499 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071-101-47`

Property Details

APN / Parcel Number

Primary APN	`071-101-47`
Alternative APN	`071-101-47-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	9 Rooms
Building Area	3,151 sqft Living Area
Gross Area	3,773 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2003
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	19,820 sqft (0.455 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	622 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,532 sqft
Patio Area	1,532 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	230 E TERRACE DR
City	BEN LOMOND
State	CA
Zip	95005-9667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	REC OF SURVEY C PG 55 PCL 28
Legal Subdivision	THE LANDS OF TERRY L STORM
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 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	230 E TERRACE DR, BEN LOMOND, CA 95005-9667
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 29, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
May 31, 2017	Quit Claim Deed, Transfer MERGE ESCROW LLC, ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 1996 · Amount on Record
Deed Sale	Sep 20, 1996 · Amount on Record
Deed Document Number	199653034
Deed Book / Page	5910 / 446
Last Transfer Date	May 26, 2017
Transfer Doc	0000017758
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	230 E TERRACE DR, BEN LOMOND, CA 95005-9667
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 E TERRACE DR, BEN LOMOND, CA 95005-9667

Mortgage

Document Number	0000031361
Date	Jun 7, 2021
Instrument	2021-0031361

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	230 E TERRACE DR, BEN LOMOND, CA 95005-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014359
Date	May 29, 2019
Instrument	2019-0014359

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 31, 2017
Property Address	230 E TERRACE DR, BEN LOMOND, CA 95005-9667
Document Number	0000017758
Instrument Date	May 26, 2017
Instrument	17758
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	MERGE ESCROW LLC, 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	Personal Trust
Address	230 E TERRACE DR BEN LOMOND CA 950059667, BEN LOMOND, CA 95005-9667

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		$851,019 (+2%) Land $307,339 Building $543,680
2025	$10,499.00 (+6.34%) Homeowner's exemption	$834,332 (+4.04%) Land $301,313 Building $533,019
2023	$9,873.00 (+2.37%) Homeowner's exemption	$801,935 Land $289,613 Building $512,322	$1,078,830
2022	$9,644.00

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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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 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.

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