415 Hillside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 415 Hillside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 1,886 sqft · built 1936
Lot Size	0.816 acres (35,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$266,000 (Dec 2010)
Tax Bill	$4,541 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`078-191-65`

Property Details

APN / Parcel Number

Primary APN	`078-191-65`
Alternative APN	`078-191-65-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	1,886 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	35,545 sqft (0.816 acres)
Terrain	Steep
View / Lot	Mountain
Deck Area	500 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	415 HILLSIDE AVE
City	BEN LOMOND
State	CA
Zip	95005-9359
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-1-1AC
Legal Description	MAP 001670 00339
Legal Subdivision	SANTA CRUZ
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1001
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 Individual Names on Record
Mailing Address	415 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2010 · Amount on Record
Deed Sale	Dec 30, 2010 · Amount on Record
Prior Sale	Mar 13, 2000 · Amount on Record
Deed Document Number	201055651
Prior Transfer Date	Dec 23, 2010
Prior Transfer Doc	0000055652
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	417 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 HILLSIDE AVE, BEN LOMOND, CA 95005-9359

Mortgage

Document Number	0000012017
Date	Feb 26, 2021
Instrument	2021-0012017

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	415 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023034
Date	Aug 12, 2019
Instrument	2019-0023034

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

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
2026		$347,610 (+2%) Land $208,566 Building $139,044
2025	$4,541.00 (+5.56%) Homeowner's exemption	$340,793 (+4.04%) Land $204,476 Building $136,317
2023	$4,302.00 (+2.4%) Homeowner's exemption	$327,560 Land $196,536 Building $131,024
2022	$4,201.00

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	36 (1981–2017)
Claims Outside the SFHA	10 of 36
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 13 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 11 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% 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 252 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

Cell Coverage

5G (outdoors only) and 4G LTE

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