8185 Oak Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 8185 Oak Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 857 sqft · built 1936
Lot Size	0.288 acres (12,545 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Oct 2018)
Tax Bill	$8,232 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-142-22`

Property Details

APN / Parcel Number

Primary APN	`072-142-22`
Alternative APN	`072-142-22-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	857 sqft Living Area

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Construction Type	Wood
Lot Area	12,545 sqft (0.288 acres)
Deck Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	8185 OAK AVE
City	BEN LOMOND
State	CA
Zip	95005-9736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2023
Census Tract	120302

Owner

8185 Oak Ave is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	8185 OAK AVE, BEN LOMOND, CA 95005-9736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRAVIS CU
Oct 17, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Oct 17, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Oct 17, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2018 · Amount on File
Deed Sale	Oct 17, 2018 · Amount on File
Deed Document Number	201831444
Prior Transfer Date	Oct 16, 2018
Prior Transfer Doc	0000031445
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	8185 OAK AVE, BEN LOMOND, CA 95005-9736
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	ER CHICAGO TITLE CO DTRU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1373, ANTIOCH, CA 94509-0137

Mortgage

Document Number	0000010426
Date	Mar 30, 2022
Instrument	2022-0010426

Lender

Name	TRAVIS CU
Type	Credit Union
Address	VACAVILLE, CA 95687

Agreement

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

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 17, 2018
Property Address	8185 OAK AVE, BEN LOMOND, CA 95005-9736
Document Number	0000031445
Instrument Date	Oct 16, 2018
Instrument	31445
Transaction Type	Transfer
Record Updated	Nov 29, 2018
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	8185 OAK AVE BEN LOMOND CA 950059736, BEN LOMOND, CA 95005-9736

October 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 17, 2018
Property Address	8185 OAK AVE, BEN LOMOND, CA 95005-9736
Document Number	0000031443
Instrument Date	Oct 10, 2018
Instrument	31443
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	211 WOODS ST SANTA CRUZ CA 950623419, SANTA CRUZ, CA 95062-3419

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 17, 2018
Property Address	8185 OAK AVE, BEN LOMOND, CA 95005-9736
Document Number	0000031444
Instrument Date	Oct 10, 2018
Instrument	31444
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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	8185 OAK AVE BEN LOMOND CA 950059736, BEN LOMOND, CA 95005-9736

Mortgage

Document Number	31446
Date	Oct 17, 2018
Instrument	31446

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 8185 Oak Ave was $8,232.

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		$682,698 (+2%) Land $563,226 Building $119,472
2025	$8,232.00	$669,312 Land $552,182 Building $117,130
2023	$7,882.00 (+2.42%)	$643,321 Land $530,740 Building $112,581	$612,180
2022	$7,696.00

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

Flood

FEMA maps place 8185 Oak Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 40 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	39 (1981–2023)
Claims Outside the SFHA	6 of 39
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 14 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 7 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

Wildfire risk around 8185 Oak Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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 128 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: Cruzio.

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