377 Melin Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 377 Melin Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,947 sqft · built 1973
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,545 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-251-22`

Property Details

APN / Parcel Number

Primary APN	`072-251-22`
Alternative APN	`072-251-22-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,947 sqft Living Area
Gross Area	2,475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Other
Lot Area	18,731 sqft (0.43 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	551 sqft
Patio Area	551 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	377 MELIN AVE
City	BEN LOMOND
State	CA
Zip	95005-9665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	MAP 001594 00604
Legal Subdivision	THE LANDS CONVEYED TO FLORENCE DE GOROG
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1019
Census Tract	120600

Owner

377 Melin Ave is owned and occupied by two individuals who acquired it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit BAY FEDERAL CREDIT UNION
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTELLILOAN INC
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 3, 2013
Transfer Doc	0000028209
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 5, 2026
Property Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665
Document Number	0000017658
Instrument Date	Jul 31, 2026
Instrument	202617658
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665

Mortgage

Document Number	0000017658,
Date	Aug 5, 2026
Instrument	202617658

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 MCLIII AVE, BEN LOMOND, CA 95005

Mortgage

Document Number	0000040236
Date	Jul 30, 2021
Instrument	2021-0040236

Lender

Name	INTELLILOAN INC
Type	Mortgage Company
Address	SANTA ANA, CA 92799

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008532
Date	Mar 11, 2020
Instrument	2020-0008532

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 MELIN AVE, BEN LOMOND, CA 95005-9665

Mortgage

Document Number	0000000065
Date	Jan 4, 2021
Instrument	2021-0000065

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 377 Melin Ave was $3,545 with a homeowner's exemption.

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		$272,977 (+2%) Land $101,441 Building $171,536
2025	$3,545.00 Homeowner's exemption	$267,624 Land $99,452 Building $168,172
2023	$3,331.00 (+2.59%) Homeowner's exemption	$257,232 Land $95,590 Building $161,642	$792,900
2022	$3,247.00

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

Flood

FEMA maps place 377 Melin Ave 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 377 Melin 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 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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