356 North St, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 356 North St, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,183 sqft · built 1960
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$409,000 (Feb 2021)
Tax Bill	$10,270 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`077-041-31`

Property Details

APN / Parcel Number

Primary APN	`077-041-31`
Alternative APN	`077-041-31-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,183 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Deck Area	500 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	356 NORTH ST
City	BEN LOMOND
State	CA
Zip	95005-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	BLK 1 LOT 1
Legal Subdivision	TOWN/BEN LOMOND
Legal Lot Number	1
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	Individual Name on Record
Mailing Address	365 NORTH ST, BEN LOMOND, CA 95005-9346
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 10, 2021	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2021 · Amount on Record
Deed Sale	Feb 10, 2021 · Amount on Record
Prior Sale	Nov 26, 2014 · Amount on Record
Deed Document Number	20218427
Prior Transfer Date	Apr 16, 2003
Prior Transfer Doc	0000038530
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	356 NORTH ST, BEN LOMOND, CA 95005-9346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SPARROW CT, RED BLUFF, CA 96080-2173

Mortgage

Document Number	0000033785
Date	Sep 1, 2020
Instrument	2020-0033785

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 10, 2021
Property Address	356 NORTH ST, BEN LOMOND, CA 95005-9346
Document Number	0000008427
Map Reference	MB 10 PG 10
Instrument Date	Feb 4, 2021
Instrument	2021-0008427
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC 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	Community Property with Right of Survivorship
Address	356 NORTH ST, BEN LOMOND, CA 95005-9346

Mortgage

Document Number	0000008428
Date	Feb 10, 2021
Instrument	2021-0008428

Lender

Name	US BANK NA
Type	Bank

Agreement

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

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		$772,856 (+2%) Land $607,244 Building $165,612
2025	$10,270.00 (+15.86%)	$757,703 (+4.04%) Land $595,338 Building $162,365
2023	$8,864.00 (+2.4%)	$728,280 Land $572,220 Building $156,060	$853,830
2022	$8,656.00

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 AE, within 500 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 43% of the US · lower than 74% of California
Wildfire Likelihood	0.06% 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications.

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