8265 Oak Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 8265 Oak Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1966
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,473 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage May 2026 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-143-25`

Property Details

APN / Parcel Number

Primary APN	`072-143-25`
Alternative APN	`072-143-25-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,723 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	8265 OAK AVE
City	BEN LOMOND
State	CA
Zip	95005-9739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	ORDWAY TR
Legal Block	9
Legal Lot Number	8,7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2022
Census Tract	120302

Owner

8265 Oak Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 1, 2026	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL/OMAHA MORTGAGE LLC
May 1, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Mar 14, 2024	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 1, 2026
Property Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739
Document Number	0000009869
Instrument Date	Apr 24, 2026
Instrument	20269869
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739

Mortgage

Document Number	0000009869,
Date	May 1, 2026
Instrument	20269869

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	999 Months

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 1, 2026
Property Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739
Document Number	0000009870
Instrument Date	Apr 24, 2026
Instrument	20269870
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739

Mortgage

Document Number	0000009870,
Date	May 1, 2026
Instrument	20269870

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	999 Months

Interest

Rate	6.38%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO E

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8265 OAK AVE, BEN LOMOND, CA 95005-9739

Mortgage

Document Number	0000004786
Date	Mar 14, 2024
Instrument	2024-0004786

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	8.36%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13.3%

Tax Assessment & Valuation

The 2025 property tax bill for 8265 Oak Ave was $3,473.

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		$258,997 (+2%) Land $101,567 Building $157,430
2025	$3,473.00	$253,918 Land $99,575 Building $154,343
2023	$3,264.00 (+2.51%)	$244,059 Land $95,709 Building $148,350	$796,050
2022	$3,184.00

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

Flood

FEMA maps place 8265 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 8265 Oak Ave 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 275 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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