320 Riverside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 320 Riverside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,139 sqft · built 1921
Lot Size	0.397 acres (17,293 sqft)
Owner	2 Company Names on Record
Last Sale	$1,625,000 (Aug 2023)
Tax Bill	$11,526 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2020 Sale + 5 more
Flood Zone	Zone AE (high risk)
APN	`077-221-04`

Property Details

APN / Parcel Number

Primary APN	`077-221-04`
Alternative APN	`077-221-04-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,139 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	17,293 sqft (0.397 acres)
Garage Type	Carport
Garage Area	247 sqft
Carport	Carport
Carport Area	247 sqft
Parking Spaces	1 Parking Space
Deck Area	1,029 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	320 RIVERSIDE AVE
City	BEN LOMOND
State	CA
Zip	95005-9589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP G5 931
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2011
Census Tract	120302

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 Company Names on Record
Mailing Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Grant Deed, Transfer · Commercial Mortgage RN REAL PROP LLC
Mar 12, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 4, 2019	Correction Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Nov 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jun 29, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jun 29, 2018	Grant Deed, Transfer · ARM FREMONT BANK
Oct 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	Mar 12, 2020 · Amount on Record
Deed Document Number	202315026
Last Transfer Date	Jan 15, 2025
Transfer Doc	0000001252
Record Updated	Sep 20, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2023
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000015026
Instrument Date	Aug 2, 2023
Instrument	2023-0015026
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,787.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 415, BEN LOMOND, CA 95005-0415

Mortgage

Document Number	0000015027
Date	Aug 10, 2023
Instrument	2023-0015027

Lender

Name	RN REAL PROP LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 12, 2020
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000008774
Instrument Date	Mar 10, 2020
Instrument	8774
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$64.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 RIVERSIDE AVE BEN LOMOND CA 950059589, BEN LOMOND, CA 95005-9589

December 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 4, 2019
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000037886
Instrument Date	Dec 2, 2019
Instrument	37886
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	320 RIVERSIDE AVE BEN LOMOND CA 950059589, BEN LOMOND, CA 95005-9589

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000037887
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	320 RIVERSIDE AVE BEN LOMOND CA 950059589, BEN LOMOND, CA 95005-9589

Mortgage

Document Number	0000037887
Date	Dec 4, 2019
Instrument	37887

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 29, 2018
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000020076
Instrument Date	Jun 15, 2018
Instrument	20076
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 RIVERSIDE AVE BEN LOMOND CA 950059589, BEN LOMOND, CA 95005-9589

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 29, 2018
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000020075
Instrument Date	Jun 13, 2018
Instrument	2018-0020075
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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	Tenants in Common
Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589

Mortgage

Document Number	0000020077
Date	Jun 29, 2018
Instrument	2018-0020077

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	320 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000036515
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 RIVERSIDE AVE BEN LOMOND CA 950059589, BEN LOMOND, CA 95005-9589

Mortgage

Document Number	0000036515
Date	Oct 31, 2017
Instrument	36515

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

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		$975,891 (+2%) Land $526,981 Building $448,910
2025	$11,526.00 (-31.58%)	$956,756 (-32.87%) Land $516,648 Building $440,108
2023	$16,845.00 (+2.39%) Homeowner's exemption	$1,425,283 (+2%) Land $693,689 Building $731,594	$1,431,720
2022	$16,452.00 Homeowner's exemption	$1,397,336 Land $680,087 Building $717,249

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications, T-Mobile.

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