615 Wente St, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 615 Wente St, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,671 sqft · built 1961
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,325,000 (Aug 2021)
Tax Bill	$13,956 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jul 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`077-261-15`

Property Details

APN / Parcel Number

Primary APN	`077-261-15`
Alternative APN	`077-261-15-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,671 sqft Living Area
Gross Area	3,851 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1989
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	16,509 sqft (0.379 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	615 WENTE ST
City	BEN LOMOND
State	CA
Zip	95005-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	TR 121
Legal Subdivision	TRACT 121 HIDDEN RIVER
Legal Tract	121
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2011
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	2 Individual Names on Record
Mailing Address	615 WENTE ST, BEN LOMOND, CA 95005-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Intrafamily Transfer, Transfer
Jul 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2021	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Nov 17, 2005 · Amount on Record
Deed Document Number	202145008
Last Transfer Date	Sep 26, 2022
Transfer Doc	0000026754
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 26, 2022
Property Address	615 WENTE ST, BEN LOMOND, CA 95005-9510
Document Number	0000026754
Map Reference	MB 31 PG 20
Instrument Date	Sep 26, 2022
Instrument	2022-0026754
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	615 WENTE ST, BEN LOMOND, CA 95005-9510

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	615 WENTE ST, BEN LOMOND, CA 95005-9510
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021387
Date	Jul 13, 2018
Instrument	2018-0021387

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2043

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	615 WENTE ST, BEN LOMOND, CA 95005-9510
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021520
Date	Jun 18, 2020
Instrument	2020-0021520

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2021
Property Address	615 WENTE ST, BEN LOMOND, CA 95005-9510
Document Number	0000045008
Map Reference	MB 31 PG 20
Instrument Date	Aug 17, 2021
Instrument	2021-0045008
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,457.50
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
Relationship	Community Property with Right of Survivorship
Address	615 WENTE ST, BEN LOMOND, CA 95005-9510

Mortgage

Document Number	0000045009
Date	Aug 31, 2021
Instrument	2021-0045009

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	615 WENTE ST, BEN LOMOND, CA 95005-9510
Document Number	0000001892
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 WENTE ST BEN LOMOND CA 950059510, BEN LOMOND, CA 95005-9510

Mortgage

Document Number	0000001892
Date	Jan 24, 2019
Instrument	1892

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 23, 2039

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		$1,199,400 (+2%) Land $839,580 Building $359,820
2025	$13,956.00 (+3.9%) Homeowner's exemption	$1,175,882 (+4.04%) Land $823,117 Building $352,765
2023	$13,432.00 (+2.27%) Homeowner's exemption	$1,130,222 Land $791,155 Building $339,067	$1,245,150
2022	$13,134.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	39 (1981–2023)
Claims Outside the SFHA	6 of 39
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 208 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

Cell Coverage

5G and 4G LTE (outdoors only)

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