655 Dickinson Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 655 Dickinson Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 1965
Lot Size	0.311 acres (13,547 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Jul 2024)
Tax Bill	$12,578 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`077-261-07`

Property Details

APN / Parcel Number

Primary APN	`077-261-07`
Alternative APN	`077-261-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,366 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	13,547 sqft (0.311 acres)
Terrain	Steep
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	1,281 sqft
Patio Area	1,281 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	655 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 Description	TRACT 121 LOT 2
Legal Subdivision	HIDDEN RIVER
Legal Tract	121
Legal Lot Number	2
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	Individual Name on Record
Mailing Address	655 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 7, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 17, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PHH MORTGAGE SERVICES CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2024 · Amount on Record
Deed Sale	Jul 29, 2024 · Amount on Record
Prior Sale	Jun 27, 1997 · Amount on Record
Deed Document Number	202414369
Prior Transfer Date	May 10, 2017
Prior Transfer Doc	0000016229
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	655 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 DICKINSON AVE, BEN LOMOND, CA 95005-9512

Mortgage

Document Number	0000005117
Date	Mar 9, 2026
Instrument	2026-0005117

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	655 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013669
Date	May 7, 2018
Instrument	2018-0013669

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 17, 2017
Property Address	655 DICKINSON AVE, BEN LOMOND, CA 95005-9512
Document Number	0000016229
Map Reference	MB31 PG20
Instrument Date	May 10, 2017
Instrument	2017-0016229
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TITLE RESOURCE GU

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 DICKINSON AVE, BEN LOMOND, CA 95005-9512

Mortgage

Document Number	0000016230
Date	May 17, 2017
Instrument	2017-0016230

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$1,069,911 (+2%) Land $790,500 Building $279,411
2025	$12,578.00 (+163.36%)	$1,048,932 (+175.17%) Land $775,000 Building $273,932
2024	$4,776.00 (+0.15%)
2023	$4,769.00 (+2.49%) Homeowner's exemption	$381,192 Land $234,820 Building $146,372	$750,240
2022	$4,653.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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