475 Hillside Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 475 Hillside Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,762 sqft · built 2009
Lot Size	5.28 acres (230,432 sqft)
Owner	Individual Name on Record
Last Sale	$1,475,000 (Oct 2021)
Tax Bill	$15,864 (2025)
Deeds & Mortgages	Mar 2023 Transfer Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`078-191-86`

Property Details

APN / Parcel Number

Primary APN	`078-191-86`
Alternative APNs	`078-191-86-000` `07819185000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	3,762 sqft Living Area
Gross Area	4,371 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	230,432 sqft
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Deck Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	475 HILLSIDE AVE
City	BEN LOMOND
State	CA
Zip	95005-9359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-1AC
Legal Subdivision	BUENA VISTA
Legal Lot Number	3
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2023	Intrafamily Transfer, Transfer
Oct 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage CHMYZ FAMILY LIVING TRUST
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN STORE
Oct 13, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOAN STORE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Dec 9, 2010 · Amount on Record
Deed Document Number	202151602
Last Transfer Date	Feb 1, 2023
Transfer Doc	0000004645
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 20, 2023
Property Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Document Number	0000004645
Instrument Date	Feb 1, 2023
Instrument	2023-0004645
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	Living Trust
Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359

Mortgage

Document Number	0000052156
Date	Oct 15, 2021
Instrument	2021-0052156

Lender

Name	CHMYZ FAMILY LIVING TRUST
Type	Non-Lending Institution
Address	LOS ALTOS, CA 94022

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359

Mortgage

Document Number	0000003618
Date	Jan 22, 2021
Instrument	2021-0003618

Lender

Name	LOAN STORE
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

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

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 13, 2021
Property Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Document Number	0000051602
Instrument Date	Oct 7, 2021
Instrument	2021-0051602
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,622.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	475 HILLSIDE AVE, BEN LOMOND, CA 95005-9359
Document Number	0000023708
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	475 HILLSIDE AVE BEN LOMOND CA 950059359, BEN LOMOND, CA 95005-9359

Mortgage

Document Number	0000023708
Date	Jul 2, 2020
Instrument	23708

Lender

Name	LOAN STORE
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94108

Agreement

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

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		$1,369,277 (+2%) Land $801,000 Building $568,277
2025	$15,864.00 (+3.8%) Homeowner's exemption	$1,342,428 (+4.04%) Land $785,294 Building $557,134
2023	$15,283.00 (+1.83%) Homeowner's exemption	$1,290,300 Land $754,800 Building $535,500	$1,247,760
2022	$15,008.00

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
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	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.08% 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 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 and 4G LTE (outdoors only)

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