420 Arnold Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 420 Arnold Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 2,630 sqft · built 1939
Lot Size	18.4 acres (805,512 sqft)
Owner	2 Individual Names on File
Last Sale	$1,127,000 (Dec 2023)
Tax Bill	$14,298 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Apr 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`076-211-02`

Property Details

APN / Parcel Number

Primary APN	`076-211-02`
Alternative APN	`076-211-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,630 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2023
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	805,512 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	320 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	420 ARNOLD AVE
City	BEN LOMOND
State	CA
Zip	95005-9598
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	3
Census Block	3020
Census Tract	120301

Owner

420 Arnold Ave, recreational vacant land, is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	420 ARNOLD AVE, BEN LOMOND, CA 95005-9598
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
Dec 15, 2023	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 21, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE COMPANY
Apr 21, 2023	Grant Deed, Transfer · Seller Carry-Back JOHN SCHAAR
Feb 23, 2022	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Jun 17, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on File
Deed Sale	Dec 15, 2023 · Amount on File
Prior Sale	Apr 21, 2023 · Amount on File
Deed Document Number	202324073
Prior Transfer Date	Apr 19, 2023
Prior Transfer Doc	0000006900
Record Updated	Sep 20, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 15, 2023
Property Address	420 ARNOLD AVE, BEN LOMOND, CA 95005
Document Number	0000024073
Instrument Date	Dec 13, 2023
Instrument	2023-0024073
Transaction Type	Transfer
Record Updated	Dec 28, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.70
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	420 ARNOLD AVE, BEN LOMOND, CA 95005

Mortgage

Document Number	0000024074
Date	Dec 15, 2023
Instrument	2023-0024074

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 21, 2023
Property Address	420 ARNOLD AVE, BEN LOMOND, CA 95005
Document Number	0000006900
Instrument Date	Apr 19, 2023
Instrument	2023-0006900
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	420 ARNOLD AVE, BEN LOMOND, CA 95005

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 21, 2023
Property Address	420 ARNOLD AVE, BEN LOMOND, CA 95005
Document Number	0000006901
Instrument Date	Apr 19, 2023
Instrument	2023-0006901
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 MUIR DR, SOQUEL, CA 95073-9706

Mortgage

Document Number	0000006902
Date	Apr 21, 2023
Instrument	2023-0006902

Lender

Name	JOHN SCHAAR
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 23, 2022
Property Address	420 ARNOLD AVE, BEN LOMOND, CA 95005
Document Number	0000006014
Instrument Date	Feb 10, 2022
Instrument	2022-0006014
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 ENTERPRISE DR, VERONA, WI 53593-1242

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 17, 2021
Property Address	420 ARNOLD AVE, BEN LOMOND, CA 95005
Document Number	0000033337
Instrument Date	Apr 9, 2021
Instrument	2021-0033337
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	526 ENTERPRISE DR, VERONA, WI 53593-1242

Tax Assessment & Valuation

The 2025 property tax bill for 420 Arnold Ave was $14,298.

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		$1,172,531 (+2%) Land $782,381 Building $390,150
2025	$14,298.00	$1,149,540 Land $767,040 Building $382,500
2023	$5,185.00 (+2.43%)	$406,268 Land $152,353 Building $253,915	$477,270
2022	$5,062.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 420 Arnold Ave in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	15 (1982–2000)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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 420 Arnold Ave is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.09% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Surfnet Communications, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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