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646 Mountain View Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 646 Mountain View Dr, Ben Lomond, CA 95005

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 915 sqft · built 1960
Lot Size0.266 acres (11,587 sqft)
OwnerIndividual Name on Record
Last Sale$260,000 (Jan 2012)
Tax Bill$4,300 (2025)
Deeds & MortgagesJul 2022 Transfer
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN078-268-14

Property Details

APN / Parcel Number

Primary APN078-268-14
Alternative APN
  • 078-268-14-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Building Area915 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area11,587 sqft (0.266 acres)
Deck Area198 sqft
Patio Area198 sqft

Utilities, Heating & Cooling

SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address646 MOUNTAIN VIEW DR
CityBEN LOMOND
StateCA
Zip95005-9315
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-15
Legal SubdivisionBEN LOMOND REDWOOD PARK 03
Legal Block10
Legal Lot Number5-8
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSAN LORENZO VALLEY
Census Block Group1
Census Block1004
Census Tract120302

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 RecordIndividual Name on Record
Mailing Address646 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2022Intrafamily Transfer, Transfer
Aug 18, 2020Deed of Trust, Mortgage · Conventional Mortgage
PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 18, 2012 · Amount on Record
Deed SaleJan 18, 2012 · Amount on Record
Prior SaleSep 1, 2011 · Amount on Record
Deed Document Number20122788
Last Transfer DateJul 19, 2022
Transfer Doc0000021715
Record UpdatedSep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateJul 27, 2022
Property Address646 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315
Document Number0000021715
Map ReferenceMB 24 PG 2
Instrument DateJul 19, 2022
Instrument2022-0021715
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address646 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address646 MOUNTAIN VIEW DR, BEN LOMOND, CA 95005-9315
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000031605
DateAug 18, 2020
Instrument2020-0031605
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92121
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2035

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictSan Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$333,107 (+2%) Land $199,864 Building $133,243
2025$4,300.00 (+5.73%)$326,575 (+4.04%) Land $195,945 Building $130,630
2023$4,067.00 (+2.49%)$313,893 Land $188,336 Building $125,557$465,660
2022$3,968.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims36 (1981–2017)
Claims Outside the SFHA10 of 36
Most Recent ClaimJan 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 RiskLow
lower than 63% of the US · lower than 78% of California
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSAN LORENZO VALLEY WATER DIST
serves 21,513 people · EPA ID CA4410014
Water SourceSurface water
Last State InspectionApr 2025
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting1
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

ProviderMax 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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