818 Forest Way, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 818 Forest Way, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 852 sqft · built 1926
Lot Size	0.243 acres (10,585 sqft)
Owner	Individual Name on File
Last Sale	$601,000 (Jul 2020)
Tax Bill	$7,932 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-247-08`

Property Details

APN / Parcel Number

Primary APN	`078-247-08`
Alternative APN	`078-247-08-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	852 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.243 acres)
Deck Area	369 sqft
Patio Area	369 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	818 FOREST WAY
City	BEN LOMOND
State	CA
Zip	95005-9101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	ROWARDENNAN REDWOOD PARK 02
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1001
Census Tract	120302

Owner

Source: Santa Cruz County records, as of August 24, 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	Individual Name on File
Mailing Address	818 FOREST WAY, BEN LOMOND, CA 95005-9101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 13, 2019	Deed of Trust, Mortgage · ARM BAY FCU
Jul 20, 2020	Quit Claim Deed, Transfer PENNYMAC
Jul 20, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Deed Document Number	202026630
Prior Transfer Date	Jul 16, 2020
Prior Transfer Doc	0000026631
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	818 FOREST WAY, BEN LOMOND, CA 95005-9101
Transaction Type	Mortgage
Record Updated	Feb 15, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 FOREST WAY, BEN LOMOND, CA 95005-9101

Mortgage

Document Number	0000003194
Date	Jan 31, 2022
Instrument	2022-0003194

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	818 FOREST WAY, BEN LOMOND, CA 95005-9101
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006394
Date	Mar 13, 2019
Instrument	2019-0006394

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	ARM
Amount	Amount on Record
Term	481 Months
Due	Apr 1, 2059

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2024
Change Frequency	5 Years
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	8.87%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 20, 2020
Property Address	818 FOREST WAY, BEN LOMOND, CA 95005-9101
Document Number	0000026631
Instrument Date	Jul 16, 2020
Instrument	26631
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	818 FOREST WAY BEN LOMOND CA 95005, BEN LOMOND, CA 95005

Mortgage

Document Number	26632
Date	Jul 20, 2020
Instrument	26632

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 20, 2020
Property Address	818 FOREST WAY, BEN LOMOND, CA 95005-9101
Document Number	0000026630
Instrument Date	Jul 14, 2020
Instrument	26630
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$661.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	818 FOREST WAY BEN LOMOND CA 95005, BEN LOMOND, CA 95005

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		$663,553 (+2%) Land $464,487 Building $199,066
2025	$7,932.00 (+4.55%) Homeowner's exemption	$650,542 (+4.04%) Land $455,379 Building $195,163
2023	$7,587.00 (+2.43%) Homeowner's exemption	$625,280 Land $437,696 Building $187,584	$600,480
2022	$7,407.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	36 (1981–2017)
Claims Outside the SFHA	10 of 36
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 13 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 11 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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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