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

Santa Cruz County property record for 233 E Terrace Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 1978
Lot Size	0.605 acres (26,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$925,000 (Jun 2018)
Tax Bill	$12,828 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071-101-46`

Property Details

APN / Parcel Number

Primary APN	`071-101-46`
Alternative APN	`071-101-46-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,706 sqft Living Area
Gross Area	2,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Tile
Lot Area	26,354 sqft (0.605 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	233 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	2 Individual Names on Record
Mailing Address	233 E TERRACE DR, BEN LOMOND, CA 95005-9668
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jun 25, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Deed Document Number	201819201
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	233 E TERRACE DR, BEN LOMOND, CA 95005-9668
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008508
Date	Mar 11, 2020
Instrument	2020-0008508

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA FE, NM 87505

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 25, 2018
Property Address	233 E TERRACE DR, BEN LOMOND, CA 95005-9668
Document Number	0000019201
Instrument Date	Jun 19, 2018
Instrument	19201
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	233 E TERRACE DR BEN LOMOND CA 950059668, BEN LOMOND, CA 95005-9668

Mortgage

Document Number	19202
Date	Jun 25, 2018
Instrument	19202

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

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		$1,073,542 (+2%) Land $730,009 Building $343,533
2025	$12,828.00 (+5.75%) Homeowner's exemption	$1,052,493 (+4.04%) Land $715,695 Building $336,798
2023	$12,131.00 (+2.4%) Homeowner's exemption	$1,011,622 Land $687,903 Building $323,719	$940,320
2022	$11,847.00

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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