8123 Harvard Dr, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 8123 Harvard Dr, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1974
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Jun 2006)
Tax Bill	$11,261 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072-354-10`

Property Details

APN / Parcel Number

Primary APN	`072-354-10`
Alternative APN	`072-354-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	1,804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	8123 HARVARD DR
City	BEN LOMOND
State	CA
Zip	95005-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	371 01
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1020
Census Tract	120600

Owner

8123 Harvard Dr is owned and occupied by two individuals who bought it in June 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	8123 HARVARD DR, BEN LOMOND, CA 95005-9651
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY
Apr 26, 2018	Deed of Trust, Mortgage · Line of Credit PREMIERONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2006 · Amount on File
Deed Sale	Jun 19, 2006 · Amount on File
Prior Sale	Apr 30, 1996 · Amount on File
Deed Document Number	200635600
Prior Transfer Date	Apr 25, 1996
Prior Transfer Doc	0000024198
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	8123 HARVARD DR, BEN LOMOND, CA 95005-9651
Document Number	0000013335
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	8123 HARVARD DR BEN LOMOND CA 950059651, BEN LOMOND, CA 95005-9651

Mortgage

Document Number	0000013335
Date	Apr 17, 2020
Instrument	13335

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	8123 HARVARD DR, BEN LOMOND, CA 95005-9651
Document Number	0000013380
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	8123 HARVARD DR BEN LOMOND CA 950059651, BEN LOMOND, CA 95005-9651

Mortgage

Document Number	0000013380
Date	May 3, 2018
Instrument	13380

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 2, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8123 Harvard Dr was $11,261.

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		$926,956 (+2%) Land $648,870 Building $278,086
2025	$11,261.00	$908,781 Land $636,147 Building $272,634
2023	$10,614.00 (+2.39%)	$873,491 Land $611,444 Building $262,047	$749,610
2022	$10,366.00

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

Flood

FEMA maps place 8123 Harvard Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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 File 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

Wildfire risk around 8123 Harvard Dr 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 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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