365 Riverside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 365 Riverside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1973
Lot Size	0.196 acres (8,538 sqft)
Owner	2 Individual Names on File
Last Sale	$880,000 (Sep 2024)
Tax Bill	$8,857 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`077-222-22`

Property Details

APN / Parcel Number

Primary APN	`077-222-22`
Alternative APN	`077-222-22-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,272 sqft Living Area
Gross Area	1,672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,538 sqft (0.196 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	365 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
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2016
Census Tract	120302

Owner

365 Riverside Ave is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 6, 2021	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 13, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Nov 13, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2024 · Amount on File
Deed Sale	Sep 5, 2024 · Amount on File
Prior Sale	Nov 13, 2017 · Amount on File
Deed Document Number	202417357
Prior Transfer Date	Oct 16, 2017
Prior Transfer Doc	0000038061
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589

Mortgage

Document Number	0000036177
Date	Jul 6, 2021
Instrument	2021-0036177

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	CONSUMER TITLE, CONSUMERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589

Mortgage

Document Number	0000016244
Date	Mar 19, 2021
Instrument	2021-0016244

Lender

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

Agreement

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 13, 2017
Property Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000038062
Instrument Date	Nov 6, 2017
Instrument	2017-0038062
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589

Mortgage

Document Number	0000038063
Date	Nov 13, 2017
Instrument	2017-0038063

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 13, 2017
Property Address	365 RIVERSIDE AVE, BEN LOMOND, CA 95005-9589
Document Number	0000038061
Instrument Date	Oct 16, 2017
Instrument	38061
Transaction Type	Transfer
Record Updated	Dec 4, 2017
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
Relationship	Separate Estate/Property
Address	365 RIVERSIDE AVE BEN LOMOND CA 950059589, BEN LOMOND, CA 95005-9589

Tax Assessment & Valuation

The 2025 property tax bill for 365 Riverside Ave was $8,857.

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		$738,358 (+2%) Land $516,851 Building $221,507
2025	$8,857.00	$723,881 Land $506,717 Building $217,164
2023	$8,853.00 (+2.41%)	$727,274 Land $509,092 Building $218,182	$722,790
2022	$8,645.00

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

Flood

FEMA maps place 365 Riverside Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 365 Riverside Ave is low, with a 0.02% 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	0.02% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Riverside Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures