Santa Cruz County property record for 285 Arnold Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,481 sqft · built 1901 |
| Lot Size | 0.271 acres (11,805 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,110,000 (Mar 2026) |
| Tax Bill | $11,710 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-021-06 |
| Primary APN | 077-021-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,481 sqft Living Area |
| Gross Area | 1,901 sqft |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 11,805 sqft (0.271 acres) |
| Terrain | Steep |
| View / Lot | Mountain |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 132 sqft |
| Patio Area | 132 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 285 ARNOLD AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9456 |
| 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 | 3 |
| Census Block | 3025 |
| Census Tract | 120301 |
Source: Santa Cruz County records · APN 077-021-06
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Nov 20, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA |
| Mar 17, 2026 | Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Aug 03, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 08, 2018 | Grant Deed, Transfer AMERICAN PACIFIC MTG-TEHACHAPI |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 17, 2026 · Amount on Record |
| Deed Sale | Mar 17, 2026 · Amount on Record |
| Prior Sale | May 08, 2018 · Amount on Record |
| Deed Document Number | 20265753 |
| Prior Transfer Date | Jul 30, 2018 |
| Prior Transfer Doc | 0000023817 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000024992 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 2025-0024992 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 17, 2026 |
| Property Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000005753 |
| Map Reference | VOL 664 PG 230 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 2026-0005753 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,221.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000005754 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 2026-0005754 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 03, 2018 |
| Property Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000023817 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 23817 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 285 ARNOLD AVE BEN LOMOND CA 950059456, BEN LOMOND, CA 95005-9456 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 08, 2018 |
| Property Address | 285 ARNOLD AVE, BEN LOMOND, CA 95005-9456 |
| Document Number | 0000013916 |
| Instrument Date | Apr 11, 2018 |
| Instrument | 13916 |
| Transaction Type | Transfer |
| Record Updated | Jun 04, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $950.40 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5826 PADDON CIR SAN JOSE CA 951233522, SAN JOSE, CA 95123-3522 |
| Document Number | 13917 |
|---|---|
| Date | May 08, 2018 |
| Instrument | 13917 |
| Name | AMERICAN PACIFIC MTG-TEHACHAPI |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 07, 2048 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $999,845 (+2%) Land $651,669 Building $348,176 | ||
| 2025 | $11,710.00 (+4.16%) Homeowner's exemption | $980,240 (+4.04%) Land $638,891 Building $341,349 | |
| 2024 | $11,242.00 (-0.1%) | ||
| 2023 | $11,253.00 (+2.41%) Homeowner's exemption | $942,176 Land $614,082 Building $328,094 | $824,130 |
| 2022 | $10,988.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 15 (1982–2000) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Feb 2000 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 76% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Surfnet Communications, Verizon.
Based on FCC filings for 43 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAN LORENZO VALLEY WATER DIST serves 21,513 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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