Santa Cruz County property record for 280 Main St, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,979 sqft · built 1946 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $900,000 (Aug 2021) |
| Tax Bill | $11,426 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-092-19 |
| Primary APN | 077-092-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,979 sqft Living Area |
| Gross Area | 2,174 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 9,932 sqft (0.228 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 195 sqft |
| Deck Area | 250 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 280 MAIN ST |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9371 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Description | BLK 4 LOT 1,4 |
| Legal Subdivision | BEN LOMOND |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 120302 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 280 MAIN ST, BEN LOMOND, CA 95005-9371 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2021 · Amount on Record |
| Deed Sale | Aug 18, 2021 · Amount on Record |
| Prior Sale | Sep 12, 2002 · Amount on Record |
| Deed Document Number | 202143155 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 18, 2021 |
| Property Address | 280 MAIN ST, BEN LOMOND, CA 95005-9371 |
| Document Number | 0000043155 |
| Map Reference | VOL 10 PG 10 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021-0043155 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 280 MAIN ST, BEN LOMOND, CA 95005-9371 |
| Document Number | 0000043156 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 2021-0043156 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $974,189 (+2%) Land $681,932 Building $292,257 | ||
| 2025 | $11,426.00 (+4.08%) Homeowner's exemption | $955,087 (+4.04%) Land $668,561 Building $286,526 | |
| 2023 | $10,978.00 (+2.41%) Homeowner's exemption | $918,000 Land $642,600 Building $275,400 | $883,800 |
| 2022 | $10,720.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Surfnet Communications.
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