8120 Harvard Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 8120 Harvard Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1975
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Apr 2017)
Tax Bill	$10,010 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-355-02`

Property Details

APN / Parcel Number

Primary APN	`072-355-02`
Alternative APN	`072-355-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,692 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Terrain	Steep
Garage Area	504 sqft
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8120 HARVARD DR
City	BEN LOMOND
State	CA
Zip	95005-9650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	UNIVERSITY VILLAGE UN 01 TR 371
Legal Lot Number	33
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1005
Census Tract	120600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 454, BEN LOMOND, CA 95005-0454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Apr 11, 2017	Grant Deed, Transfer · Conventional Mortgage SANTA CRUZ HOME FINANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Prior Sale	May 11, 2012 · Amount on Record
Deed Document Number	201711917
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	8120 HARVARD DR, BEN LOMOND, CA 95005-9650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037232
Date	Nov 27, 2019
Instrument	2019-0037232

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 11, 2017
Property Address	8120 HARVARD DR, BEN LOMOND, CA 95005-9650
Document Number	0000011917
Map Reference	MAP42 PG51
Instrument Date	Apr 9, 2017
Instrument	2017-0011917
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 454, BEN LOMOND, CA 95005-0454

Mortgage

Document Number	0000011918
Date	Apr 11, 2017
Instrument	2017-0011918

Lender

Name	SANTA CRUZ HOME FINANCE
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000011919
Date	Apr 11, 2017
Instrument	2017-0011919

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$822,738 (+2%) Land $452,506 Building $370,232
2025	$10,010.00 (+6.52%) Homeowner's exemption	$806,608 (+4.04%) Land $443,634 Building $362,974
2023	$9,397.00 (+2.41%) Homeowner's exemption	$775,286 Land $426,408 Building $348,878	$784,080
2022	$9,176.00

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 99 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

May also be available: Surfnet Communications.

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