Santa Cruz County property record for 640 Mountain View Dr, Ben Lomond, CA 95005 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,408 sqft · built 1966 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $790,000 (Mar 2018) |
| Tax Bill | $10,778 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-268-10 |
| Primary APN | 078-268-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,408 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Wood |
| Lot Area | 9,235 sqft (0.212 acres) |
| Deck Area | 320 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 640 MOUNTAIN VIEW DR |
|---|---|
| City | BEN LOMOND |
| State | CA |
| Zip | 95005-9315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BEN LOMOND REDWOOD PARK 03 |
| Legal Block | 4 |
| Legal Lot Number | 2,3 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SAN LORENZO VALLEY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 120302 |
Source: Santa Cruz County records · APN 078-268-10
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 640 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Dec 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 28, 2018 | Grant Deed, Transfer · Conventional Mortgage FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2018 · Amount on Record |
| Deed Sale | Mar 28, 2018 · Amount on Record |
| Prior Sale | Sep 24, 2014 · Amount on Record |
| Deed Document Number | 20189295 |
| Prior Transfer Date | Sep 15, 2014 |
| Prior Transfer Doc | 0000031832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 640 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 640 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315 |
| Document Number | 0000051669 |
|---|---|
| Date | Dec 02, 2020 |
| Instrument | 2020-0051669 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 640 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000018070 |
|---|---|
| Date | Jul 01, 2019 |
| Instrument | 2019-0018070 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 28, 2018 |
| Property Address | 640 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315 |
| Document Number | 0000009295 |
| Map Reference | MB 24 PG 2 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 2018-0009295 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 640 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009296 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 2018-0009296 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Document Number | 0000009297 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 2018-0009297 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | San Lorenzo Valley Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $916,863 (+2%) Land $660,141 Building $256,722 | ||
| 2025 | $10,778.00 (+4.16%) Homeowner's exemption | $898,885 (+4.04%) Land $647,197 Building $251,688 | |
| 2023 | $10,348.00 (+2.41%) Homeowner's exemption | $863,981 Land $622,066 Building $241,915 | $769,320 |
| 2022 | $10,104.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 37% of the US · above 22% of California |
|---|---|
| Wildfire Likelihood | About 1 in 1,961 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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