250 Stephens Ln, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 250 Stephens Ln, Ben Lomond, CA 95005

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 1,600 sqft · built 1970
Lot Size	2.11 acres (92,086 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Aug 2020)
Tax Bill	$10,779 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`078-091-39`

Property Details

APN / Parcel Number

Primary APN	`078-091-39`
Alternative APN	`078-091-39-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,600 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Other
Lot Area	92,086 sqft
Garage Type	Carport
Garage Area	1,004 sqft
Carport	Carport
Carport Area	1,004 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	250 STEPHENS LN
City	BEN LOMOND
State	CA
Zip	95005-9279
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1018
Census Tract	120301

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	250 STEPHENS LN, BEN LOMOND, CA 95005-9279
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA
May 28, 2020	Quit Claim Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Jul 16, 2002 · Amount on Record
Deed Document Number	202029231
Prior Transfer Date	May 21, 2020
Prior Transfer Doc	0000018246
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 4, 2020
Property Address	250 STEPHENS LN, BEN LOMOND, CA 95005-9279
Document Number	0000029231
Instrument Date	Jul 29, 2020
Instrument	2020-0029231
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	250 STEPHENS LN, BEN LOMOND, CA 95005-9279

Mortgage

Document Number	0000029232
Date	Aug 4, 2020
Instrument	2020-0029232

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 28, 2020
Property Address	250 STEPHENS LN, BEN LOMOND, CA 95005-9279
Document Number	0000018246
Instrument Date	May 21, 2020
Instrument	18246
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	11769 EDGEWOOD DR FELTON CA 950188967, FELTON, CA 95018-8967

Mortgage

Document Number	18247
Date	May 28, 2020
Instrument	18247

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

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		$909,874 (+2%) Land $734,214 Building $175,660
2025	$10,779.00 (+4.11%)	$892,032 (+4.04%) Land $719,818 Building $172,214
2023	$10,353.00 (+2.39%)	$857,394 Land $691,866 Building $165,528	$846,180
2022	$10,111.00

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	20 (1980–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2017 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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