521 Noteware Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 521 Noteware Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,491 sqft · built 1974
Lot Size	0.485 acres (21,127 sqft)
Owner	2 Company Names on Record
Last Sale	$281,500 (Nov 1998)
Tax Bill	$5,106 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-342-07`

Property Details

APN / Parcel Number

Primary APN	`072-342-07`
Alternative APN	`072-342-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,491 sqft Living Area
Gross Area	1,941 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	21,127 sqft (0.485 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Deck Area	547 sqft
Patio Area	547 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	521 NOTEWARE DR
City	BEN LOMOND
State	CA
Zip	95005-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Description	PARCEL MAPS 16 PG 42
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1005
Census Tract	120600

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 Company Names on Record
Mailing Address	521 NOTEWARE DR, BEN LOMOND, CA 95005-9539
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 1998 · Amount on Record
Deed Sale	Nov 13, 1998 · Amount on Record
Deed Document Number	199869603
Last Transfer Date	Jul 15, 2024
Transfer Doc	0000014684
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	521 NOTEWARE DR, BEN LOMOND, CA 95005-9539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TSI TITLE COMPANY OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025373
Date	Aug 2, 2017
Instrument	2017-0025373

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2037

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 25, 2020
Property Address	521 NOTEWARE DR, BEN LOMOND, CA 95005-9539
Document Number	0000038271
Map Reference	MB 16 PG 42
Instrument Date	Sep 19, 2020
Instrument	2020-0038271
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	521 NOTEWARE DR, BEN LOMOND, CA 95005-9539

Mortgage

Document Number	0000038272
Date	Sep 25, 2020
Instrument	2020-0038272

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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		$386,184 (+2%) Land $127,930 Building $258,254
2025	$5,106.00 (+10.04%) Homeowner's exemption	$378,614 (+4.04%) Land $125,422 Building $253,192
2023	$4,640.00 (+2.5%) Homeowner's exemption	$363,912 Land $120,552 Building $243,360	$812,700
2022	$4,527.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 153 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: T-Mobile.

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