707 Ridge Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 707 Ridge Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,038 sqft · built 1988
Lot Size	13 acres (566,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Jan 2004)
Tax Bill	$13,568 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`076-181-35`

Property Details

APN / Parcel Number

Primary APN	`076-181-35`
Alternative APN	`076-181-35-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	3,038 sqft Living Area
Gross Area	3,619 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	566,454 sqft
Terrain	Combination
Garage Type	Attached
Garage Area	581 sqft
Parking Spaces	2 Parking Spaces
Deck Area	668 sqft
Patio Area	668 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	707 RIDGE RD
City	BEN LOMOND
State	CA
Zip	95005-9445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	BEN LOMOND SPGS 01
Legal Block	60
Legal Lot Number	1-8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1001
Census Tract	120301

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	707 RIDGE RD, BEN LOMOND, CA 95005-9445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 31, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2004 · Amount on Record
Deed Sale	Jan 16, 2004 · Amount on Record
Prior Sale	Apr 24, 1996 · Amount on Record
Deed Document Number	20043098
Transfer Doc	0000056162
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	707 RIDGE RD, BEN LOMOND, CA 95005-9445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004459
Date	Feb 13, 2018
Instrument	2018-0004459

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	Jan 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	707 RIDGE RD, BEN LOMOND, CA 95005-9445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031631
Date	Aug 18, 2020
Instrument	2020-0031631

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 31, 2019
Property Address	707 RIDGE RD, BEN LOMOND, CA 95005-9445
Document Number	0000014683
Instrument Date	May 13, 2019
Instrument	14683
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	707 RIDGE RD BEN LOMOND CA 950059445, BEN LOMOND, CA 95005-9445

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		$1,152,934 (+2%) Land $543,837 Building $609,097
2025	$13,568.00 (+4.2%) Homeowner's exemption	$1,130,328 (+4.04%) Land $533,174 Building $597,154
2023	$13,021.00 (+2.38%) Homeowner's exemption	$1,086,435 Land $512,470 Building $573,965	$1,251,090
2022	$12,718.00

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	20 (1980–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2017 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Surfnet Communications, T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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