860 Valley View Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 860 Valley View Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 1.5 ba · 2,235 sqft · built 1980
Lot Size	2.96 acres (129,155 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (May 2015)
Tax Bill	$10,898 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-361-52`

Property Details

APN / Parcel Number

Primary APN	`072-361-52`
Alternative APN	`072-361-52-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,235 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	129,155 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	588 sqft
Patio Area	588 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	860 VALLEY VIEW RD
City	BEN LOMOND
State	CA
Zip	95005-9386
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	PM22 38
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1004
Census Tract	120302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Mar 8, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 8, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE INSURANCE CO
Aug 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2015 · Amount on Record
Deed Sale	May 18, 2015 · Amount on Record
Deed Document Number	201519103
Prior Transfer Date	Jan 8, 1998
Prior Transfer Doc	0000001848
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386
Transaction Type	Mortgage
Record Updated	Dec 28, 2023
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386

Mortgage

Document Number	0000023851
Date	Dec 13, 2023
Instrument	2023-0023851

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 8, 2022
Property Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386
Document Number	0000007656
Map Reference	MB 22 PG 38
Instrument Date	Mar 3, 2022
Instrument	2022-0007656
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386

Mortgage

Document Number	0000007657
Date	Mar 8, 2022
Instrument	2022-0007657

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 8, 2022
Property Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386
Document Number	0000007658
Map Reference	MB 22 PG 38
Instrument Date	Mar 2, 2022
Instrument	2022-0007658
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 28, 2018
Property Address	860 VALLEY VIEW RD, BEN LOMOND, CA 95005-9386
Document Number	0000026281
Instrument Date	Aug 10, 2018
Instrument	26281
Transaction Type	Transfer
Record Updated	Sep 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1901 CASTRO ST SAN FRANCISCO CA 941311820, SAN FRANCISCO, CA 94131-1820

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		$858,122 (+2%) Land $514,873 Building $343,249
2025	$10,898.00 (+3.98%)	$841,295 (+4.04%) Land $504,777 Building $336,518
2024	$10,481.00 (-0.08%)
2023	$10,489.00 (+2.23%)	$808,627 Land $485,176 Building $323,451	$888,390
2022	$10,260.00

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	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.07% 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 43 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

May also be available: T-Mobile.

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