245 Cottage Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 245 Cottage Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 634 sqft · built 1923
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on Record
Tax Bill	$818 (2025)
Deeds & Mortgages	Feb 2021 Transfer Feb 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-212-05`

Property Details

APN / Parcel Number

Primary APN	`072-212-05`
Alternative APN	`072-212-05-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	634 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	15,769 sqft (0.362 acres)
Terrain	Steep
Deck Area	325 sqft
Patio Area	325 sqft

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	245 COTTAGE AVE
City	BEN LOMOND
State	CA
Zip	95005-9721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2027
Census Tract	120302

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	585 TEMPLETON DR, SUNNYVALE, CA 94087-2438
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Intrafamily Transfer, Transfer
Feb 9, 2021	Intrafamily Transfer, Transfer
Feb 9, 2021	Gift Deed, Transfer
Jan 12, 2021	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 13, 2024
Transfer Doc	0000011747
Record Updated	Sep 20, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 9, 2021
Property Address	245 COTTAGE AVE, BEN LOMOND, CA 95005-9721
Document Number	0000007570
Instrument Date	Jan 25, 2021
Instrument	2021-0007570
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23980 SPALDING AVE, LOS ALTOS, CA 94024-6349

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 9, 2021
Property Address	245 COTTAGE AVE, BEN LOMOND, CA 95005-9721
Document Number	0000007569
Instrument Date	Jan 25, 2021
Instrument	2021-0007569
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23980 SPALDING AVE, LOS ALTOS, CA 94024-6349

February 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 9, 2021
Property Address	245 COTTAGE AVE, BEN LOMOND, CA 95005-9721
Document Number	0000007571
Instrument Date	Jan 25, 2021
Instrument	2021-0007571
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	585 TEMPLETON DR, SUNNYVALE, CA 94087-2438

January 2021: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2021
Property Address	245 COTTAGE AVE, BEN LOMOND, CA 95005-9721
Document Number	0000001700
Instrument Date	Dec 28, 2020
Instrument	1700
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23980 SPALDING AVE LOS ALTOS CA 940246349, LOS ALTOS, CA 94024-6349

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		$36,472 (+2%) Land $23,538 Building $12,934
2025	$818.00 (-2.5%)	$35,756 (+4.04%) Land $23,076 Building $12,680
2023	$839.00 (+3.07%)	$34,368 Land $22,180 Building $12,188	$594,450
2022	$814.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	39 (1981–2023)
Claims Outside the SFHA	6 of 39
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 275 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Surfnet Communications.

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