545 Hillcrest Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 545 Hillcrest Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,828 sqft · built 1932
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Tax Bill	$3,012 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078-251-03`

Property Details

APN / Parcel Number

Primary APN	`078-251-03`
Alternative APN	`078-251-03-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,828 sqft Living Area
Gross Area	2,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1941
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic

Location & Zoning

Street Address	545 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	ROWARDENNAM REDWOOD PARK 01
Legal Block	E
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1010
Census Tract	120302

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	Individual Name on Record
Mailing Address	545 HILLCREST DR, BEN LOMOND, CA 95005-9327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit BAY FEDERAL CREDIT UNION
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jul 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 22, 2014
Transfer Doc	0000028813
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2026
Property Address	545 HILLCREST DR, BEN LOMOND, CA 95005-9327
Document Number	0000019571
Instrument Date	Aug 26, 2026
Instrument	202619571
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HILLCREST DR, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	0000019571,
Date	Aug 31, 2026
Instrument	202619571

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 15, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 HILLCREST DR, BEN LOMOND, CA 95005-9327
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HILLCREST DR, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	0000021442
Date	Nov 6, 2023
Instrument	2023-0021442

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 HILLCREST DR, BEN LOMOND, CA 95005-9327
Document Number	0000026035
Instrument Date	Jul 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HILLCREST DR BEN LOMOND CA 950059327, BEN LOMOND, CA 95005-9327

Mortgage

Document Number	0000026035
Date	Jul 16, 2020
Instrument	26035

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 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		$225,521 (+2%) Land $79,660 Building $145,861
2025	$3,012.00 (+7.04%) Homeowner's exemption	$221,099 (+4.04%) Land $78,098 Building $143,001
2023	$2,814.00 (+2.63%) Homeowner's exemption	$212,513 Land $75,065 Building $137,448	$716,760
2022	$2,742.00

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	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

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