Santa Cruz County property record for 295 Kipling Ave, Ben Lomond, CA 95005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,071 sqft · built 1986 |
| Lot Size | 0.982 acres (42,776 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,150,000 (Aug 2019) |
| Tax Bill | $14,889 (2025) |
| Deeds & Mortgages | Oct 2021 Reverse Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-073-18 |
| Primary APN | 077-073-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 3,071 sqft Living Area |
| Gross Area | 3,577 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 42,776 sqft (0.982 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 749 sqft |
| Patio Area | 713 sqft |
| Total Buildings | 2 Buildings |
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Street Address | 295 KIPLING AVE |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HOLLOWAY PK/BEN LOMOND |
| Legal Lot Number | 10 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 120301 |
Source: Santa Cruz County records · APN 077-073-18
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 | Individual Name on File |
|---|---|
| Mailing Address | 295 KIPLING AVE, BEN LOMOND, CA 95005-9426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 08, 2021 | Deed of Trust, Mortgage · Reverse Mortgage PREMIER MORTGAGE RESOURCES LLC |
| Feb 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 21, 2019 | Grant Deed, Transfer · Conventional Mortgage REDWOOD MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 2019 · Amount on Record |
| Deed Sale | Aug 21, 2019 · Amount on Record |
| Prior Sale | May 01, 2013 · Amount on Record |
| Deed Document Number | 201924278 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 291 KIPLING AVE, BEN LOMOND, CA 95005-9426 |
| Transaction Type | Mortgage |
| Record Updated | Sep 05, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 295 KIPLING AVE, BEN LOMOND, CA 95005-9426 |
| Document Number | 0000051219 |
|---|---|
| Date | Oct 08, 2021 |
| Instrument | 2021-0051219 |
| Name | PREMIER MORTGAGE RESOURCES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDIAN, ID 83642 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 295 KIPLING AVE, BEN LOMOND, CA 95005-9426 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000006466 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 2020-0006466 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 21, 2019 |
| Property Address | 295 KIPLING AVE, BEN LOMOND, CA 95005-9426 |
| Document Number | 0000024278 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 24278 |
| Transaction Type | Transfer |
| Record Updated | Sep 04, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,265.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1588 LAYTONVILLE CA 954541588, LAYTONVILLE, CA 95454-1588 |
| Document Number | 24279 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 24279 |
| Name | REDWOOD MORTGAGE CORP |
|---|---|
| Type | Bank |
| Address | SAN MATEO, CA 94402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,282,847 (+2%) Land $752,975 Building $529,872 | ||
| 2025 | $14,889.00 (+3.27%) Homeowner's exemption | $1,257,693 (+4.04%) Land $738,211 Building $519,482 | |
| 2023 | $14,418.00 (+2.38%) | $1,208,856 Land $709,546 Building $499,310 | $1,192,140 |
| 2022 | $14,083.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871203013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 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 | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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, availability as of December 31, 2025 · sampled at 23 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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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