528 Hillcrest Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 528 Hillcrest Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,178 sqft · built 1972
Lot Size	0.308 acres (13,416 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (May 2018)
Tax Bill	$10,690 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-266-11`

Property Details

APN / Parcel Number

Primary APN	`078-266-11`
Alternative APN	`078-266-11-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,178 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	13,416 sqft (0.308 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	125 sqft
Carport	Carport
Carport Area	125 sqft
Deck Area	989 sqft
Patio Area	989 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	528 HILLCREST DR
City	BEN LOMOND
State	CA
Zip	95005-9327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	ROWARDENNAN REDWOOD PARK CO 01
Legal Block	F
Legal Lot Number	7,1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1011
Census Tract	120302

Owner

528 Hillcrest Dr is owned and occupied by two individuals who bought it in May 2018.

Source: Santa Cruz County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARKSIDE LNDG
May 22, 2018	Grant Deed, Transfer · Conventional Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Mar 30, 2011 · Amount on File
Deed Document Number	201815424
Prior Transfer Date	Oct 5, 2016
Prior Transfer Doc	0000038884
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 10, 2026
Property Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327
Document Number	0000020366
Instrument Date	Sep 2, 2026
Instrument	202620366
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	0000020366,
Date	Sep 10, 2026
Instrument	202620366

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	0000053770
Date	Oct 27, 2021
Instrument	2021-0053770

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327
Document Number	0000029449
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	528 HILLCREST DR BEN LOMOND CA 950059327, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	0000029449
Date	Sep 27, 2019
Instrument	29449

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2018
Property Address	528 HILLCREST DR, BEN LOMOND, CA 95005-9327
Document Number	0000015424
Instrument Date	May 15, 2018
Instrument	15424
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	528 HILLCREST DR BEN LOMOND CA 950059327, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	15425
Date	May 22, 2018
Instrument	15425

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 528 Hillcrest Dr was $10,690.

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		$760,183 (+2%) Land $592,943 Building $167,240
2025	$10,690.00	$745,278 Land $581,317 Building $163,961
2023	$8,722.00 (+2.41%)	$716,338 Land $558,744 Building $157,594	$669,060
2022	$8,517.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 Hillcrest Dr in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1981.

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

Wildfire risk around 528 Hillcrest Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 78% 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

Nearby Properties on Hillcrest Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures