650 Dickinson Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 650 Dickinson Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,820 sqft · built 1963
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Dec 2023)
Tax Bill	$11,666 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`077-261-12`

Property Details

APN / Parcel Number

Primary APN	`077-261-12`
Alternative APN	`077-261-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,820 sqft Living Area
Gross Area	2,326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	650 DICKINSON AVE
City	BEN LOMOND
State	CA
Zip	95005-9512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	HIDDEN RIVER
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2011
Census Tract	120302

Owner

650 Dickinson Ave is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Dec 11, 2023	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Jan 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 5, 2019	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Nov 5, 2019	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2023 · Amount on File
Deed Sale	Dec 11, 2023 · Amount on File
Prior Sale	Nov 5, 2019 · Amount on File
Deed Document Number	202323680
Prior Transfer Date	Dec 16, 2020
Prior Transfer Doc	0000000196
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512

Mortgage

Document Number	0000006131
Date	Mar 23, 2026
Instrument	2026-0006131

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 11, 2023
Property Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Document Number	0000023680
Map Reference	MB 31 PG 20
Instrument Date	Nov 27, 2023
Instrument	2023-0023680
Transaction Type	Transfer
Record Updated	Dec 28, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,045.00
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	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512

Mortgage

Document Number	0000023681
Date	Dec 11, 2023
Instrument	2023-0023681

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 4, 2021
Property Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Document Number	0000000196
Map Reference	MB 31 PG 20
Instrument Date	Dec 16, 2020
Instrument	2021-0000196
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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	Community Property with Right of Survivorship
Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512

Mortgage

Document Number	0000000197
Date	Jan 4, 2021
Instrument	2021-0000197

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 5, 2019
Property Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Document Number	0000034248
Instrument Date	Oct 22, 2019
Instrument	34248
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 E COTATI AVE ROHNERT PARK CA 949283613, ROHNERT PARK, CA 94928-3613

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 5, 2019
Property Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Document Number	0000034249
Map Reference	MB 31 PG 20
Instrument Date	Oct 22, 2019
Instrument	2019-0034249
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 DICKINSON AVE, BEN LOMOND, CA 95005-9512

Mortgage

Document Number	0000034250
Date	Nov 5, 2019
Instrument	2019-0034250

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 650 Dickinson Ave was $11,666, up 27% from the year before.

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		$988,380 (+2%) Land $741,285 Building $247,095
2025	$11,666.00 (+26.97%)	$969,000 Land $726,750 Building $242,250
2024	$9,188.00 (-0.08%)
2023	$9,195.00 (+2.41%)	$756,848 Land $530,845 Building $226,003	$826,110
2022	$8,979.00

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

Flood

FEMA maps place 650 Dickinson Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 650 Dickinson Ave is low, with a 0.02% annual chance of 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)

Nearby Properties on Dickinson Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures