643 Eduardo Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 643 Eduardo Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,923 sqft · built 1994
Lot Size	1.52 acres (66,255 sqft)
Owner	Trust Name on File
Tax Bill	$7,051 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`077-192-46`

Property Details

APN / Parcel Number

Primary APN	`077-192-46`
Alternative APN	`077-192-46-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,923 sqft Living Area
Gross Area	3,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	66,255 sqft
Garage Type	Attached
Garage Area	649 sqft
Parking Spaces	2 Parking Spaces
Deck Area	690 sqft
Patio Area	690 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	643 EDUARDO AVE
City	BEN LOMOND
State	CA
Zip	95005-9481
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1000
Census Tract	120600

Owner

643 Eduardo Ave is owner-occupied and held in a trust since March 2021.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Trust Name on File
Mailing Address	643 EDUARDO AVE, BEN LOMOND, CA 95005-9481
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 9, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Apr 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 31, 2021
Transfer Doc	0000018584
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	643 EDUARDO AVE, BEN LOMOND, CA 95005-9481
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 EDUARDO AVE, BEN LOMOND, CA 95005-9481

Mortgage

Document Number	0000031975
Date	Jun 9, 2021
Instrument	2021-0031975

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 1, 2021
Property Address	643 EDUARDO AVE, BEN LOMOND, CA 95005-9481
Document Number	0000018584
Instrument Date	Mar 31, 2021
Instrument	2021-0018584
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	643 EDUARDO AVE, BEN LOMOND, CA 95005-9481

Mortgage

Document Number	0000018585
Date	Apr 1, 2021
Instrument	2021-0018585

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 643 Eduardo Ave was $7,051 with a homeowner's exemption.

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		$585,158 (+2%) Land $155,121 Building $430,037
2025	$7,051.00 Homeowner's exemption	$573,685 Land $152,080 Building $421,605
2023	$6,733.00 (+2.45%) Homeowner's exemption	$551,407 Land $146,174 Building $405,233	$1,214,100
2022	$6,572.00

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

Flood

FEMA maps place 643 Eduardo Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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 File 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

Wildfire risk around 643 Eduardo Ave is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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