280 Ridge Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 280 Ridge Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 1,885 sqft · built 1928
Lot Size	2.46 acres (107,245 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,053 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`076-203-02`

Property Details

APN / Parcel Number

Primary APN	`076-203-02`
Alternative APN	`076-203-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,885 sqft Gross Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	107,245 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	280 RIDGE RD
City	BEN LOMOND
State	CA
Zip	95005
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	R-1-1AC
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1000
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	PO BOX 104, BEN LOMOND, CA 95005-0104
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 6, 2014
Transfer Doc	0000038128
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	280 RIDGE RD, BEN LOMOND, CA 95005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 RIDGE RD, BEN LOMOND, CA 95005

Mortgage

Document Number	0000002098
Date	Jan 14, 2021
Instrument	2021-0002098

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	280 RIDGE RD, BEN LOMOND, CA 95005
Document Number	0000000040
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 104 BEN LOMOND CA 950050104, BEN LOMOND, CA 95005-0104

Mortgage

Document Number	0000000040
Date	Jan 2, 2020
Instrument	40

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$298,724 (+2%) Land $146,434 Building $152,290
2025	$4,053.00 (+6.88%)	$292,866 (+4.04%) Land $143,562 Building $149,304
2023	$3,792.00 (+2.43%)	$281,494 Land $137,988 Building $143,506	$782,100
2022	$3,702.00

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 A, within 100 ft
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 51% of the US · lower than 69% of California
Wildfire Likelihood	0.09% 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 43 locations within half a mile, as of December 31, 2025

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

May also be available: Surfnet Communications, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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