705 Eduardo Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 705 Eduardo Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 1976
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Oct 2012)
Tax Bill	$6,414 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`077-342-17`

Property Details

APN / Parcel Number

Primary APN	`077-342-17`
Alternative APN	`077-342-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,417 sqft Living Area
Gross Area	1,716 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Other
Lot Area	13,504 sqft (0.31 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	705 EDUARDO AVE
City	BEN LOMOND
State	CA
Zip	95005-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	PM7 47
Legal Lot Number	B
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1003
Census Tract	120600

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	2 Individual Names on Record
Mailing Address	705 EDUARDO AVE, BEN LOMOND, CA 95005-9406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 26, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2012 · Amount on Record
Deed Sale	Oct 30, 2012 · Amount on Record
Prior Sale	Oct 31, 2011 · Amount on Record
Deed Document Number	201253457
Prior Transfer Date	Jul 25, 2006
Prior Transfer Doc	0000044618
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	705 EDUARDO AVE, BEN LOMOND, CA 95005-9406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018394
Date	Jul 3, 2019
Instrument	2019-0018394

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 18, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	705 EDUARDO AVE, BEN LOMOND, CA 95005-9406
Document Number	0000018347
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	705 EDWARDO AVE BEN LOMOND CA 950059406, BEN LOMOND, CA 95005-9406

Mortgage

Document Number	0000018347
Date	Jun 5, 2017
Instrument	18347

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SANTA CRUZ, CA 95060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate

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		$521,264 (+2%) Land $312,758 Building $208,506
2025	$6,414.00 (+4.84%)	$511,043 (+4.04%) Land $306,626 Building $204,417
2023	$6,118.00 (+2.44%)	$491,198 Land $294,719 Building $196,479	$720,000
2022	$5,972.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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