321 Tipping Way, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 321 Tipping Way, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1969
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (Dec 2003)
Tax Bill	$9,252 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`072-181-14`

Property Details

APN / Parcel Number

Primary APN	`072-181-14`
Alternative APN	`072-181-14-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,368 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2008
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Terrain	Steep
View / Lot	Mountain
Deck Area	968 sqft
Patio Area	968 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	321 TIPPING WAY
City	BEN LOMOND
State	CA
Zip	95005-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Subdivision	LARITA WOODS 01
Legal Lot Number	34
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1019
Census Tract	120600

Owner

321 Tipping Way is owned and occupied by an individual who bought it in December 2003.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 8, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jun 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 30, 2019	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU
Oct 12, 2017	Grant Deed, Transfer PRINCETON CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2003 · Amount on File
Deed Sale	Dec 31, 2003 · Amount on File
Prior Sale	Sep 13, 1995 · Amount on File
Deed Document Number	2003125758
Prior Transfer Date	Jan 6, 1995
Prior Transfer Doc	0000001720
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754

Mortgage

Document Number	0000020794
Date	Jul 14, 2022
Instrument	2022-0020794

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025633
Date	Aug 30, 2019
Instrument	2019-0025633

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754

Mortgage

Document Number	0000051167
Date	Oct 8, 2021
Instrument	2021-0051167

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754

Mortgage

Document Number	0000051168
Date	Oct 8, 2021
Instrument	2021-0051168

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754

Mortgage

Document Number	0000019308
Date	Jun 28, 2022
Instrument	2022-0019308

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Document Number	0000031482
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	321 TIPPING WAY BEN LOMOND CA 950059754, BEN LOMOND, CA 95005-9754

Mortgage

Document Number	0000031482
Date	Oct 11, 2019
Instrument	31482

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54402-8026

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2049

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 12, 2017
Property Address	321 TIPPING WAY, BEN LOMOND, CA 95005-9754
Document Number	0000034242
Instrument Date	Sep 25, 2017
Instrument	34242
Transaction Type	Transfer
Record Updated	Nov 6, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	321 TIPPING WAY BEN LOMOND CA 950059754, BEN LOMOND, CA 95005-9754

Mortgage

Document Number	34243
Date	Oct 12, 2017
Instrument	34243

Lender

Name	PRINCETON CAP
Type	Funding / Finance Company
Address	LOS GATOS, CA 95032

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 321 Tipping Way was $9,252.

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		$760,184 (+2%) Land $532,129 Building $228,055
2025	$9,252.00	$745,278 Land $521,695 Building $223,583
2023	$8,722.00 (+2.41%)	$716,338 Land $501,437 Building $214,901	$858,510
2022	$8,517.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 321 Tipping Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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 File median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1995–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

Wildfire risk around 321 Tipping Way is low, with a 0.03% annual chance of 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	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 275 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Surfnet Communications.

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