511 Balch Way, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 511 Balch Way, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 1974
Lot Size	0.603 acres (26,267 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Feb 2002)
Tax Bill	$10,133 (2025)
Deeds & Mortgages	Oct 2022 Transfer Oct 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`072-121-29`

Property Details

APN / Parcel Number

Primary APN	`072-121-29`
Alternative APN	`072-121-29-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,944 sqft Living Area
Gross Area	2,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	26,267 sqft (0.603 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Deck Area	702 sqft
Patio Area	702 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	511 BALCH WAY
City	BEN LOMOND
State	CA
Zip	95005-9626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1019
Census Tract	120600

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	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Oct 11, 2022	Quit Claim Deed, Transfer · Line of Credit BAY FCU
Oct 11, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Oct 12, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Jul 13, 2018	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jun 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2002 · Amount on Record
Deed Sale	Feb 28, 2002 · Amount on Record
Deed Document Number	200214989
Last Transfer Date	Oct 5, 2022
Transfer Doc	0000028217
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 11, 2022
Property Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Document Number	0000028119
Map Reference	VOL 2 PG 14
Instrument Date	Oct 5, 2022
Instrument	2022-0028119
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Joint Tenants
Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 11, 2022
Property Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Document Number	0000028117
Map Reference	VOL 2 PG 14
Instrument Date	Oct 5, 2022
Instrument	2022-0028117
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626

Mortgage

Document Number	0000028120
Date	Oct 11, 2022
Instrument	2022-0028120

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Dec 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 11, 2022
Property Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Document Number	0000028118
Map Reference	VOL 2 PG 14
Instrument Date	Oct 5, 2022
Instrument	2022-0028118
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC 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	511 BALCH WAY, BEN LOMOND, CA 95005-9626

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 12, 2022
Property Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Document Number	0000028217
Map Reference	VOL 2 PG 14
Instrument Date	Oct 5, 2022
Instrument	2022-0028217
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC 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	511 BALCH WAY, BEN LOMOND, CA 95005-9626

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Document Number	0000032070
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	511 BALCH WAY BEN LOMOND CA 950059626, BEN LOMOND, CA 95005-9626

Mortgage

Document Number	0000032070
Date	Oct 23, 2018
Instrument	32070

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2033

Interest

Rate Type	Adjustable Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 12, 2018
Property Address	511 BALCH WAY, BEN LOMOND, CA 95005-9626
Document Number	0000017949
Instrument Date	Mar 12, 2018
Instrument	17949
Transaction Type	Transfer
Record Updated	Jun 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	511 BALCH WAY BEN LOMOND CA 950059626, BEN LOMOND, CA 95005-9626

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		$843,841 (+2%) Land $489,728 Building $354,113
2025	$10,133.00 (+4.21%) Homeowner's exemption	$827,295 (+4.04%) Land $480,126 Building $347,169
2023	$9,724.00 (+2.37%) Homeowner's exemption	$795,170 Land $461,482 Building $333,688	$984,600
2022	$9,499.00

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
Flood Insurance Cost	Premium on Record 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

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	0.03% 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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