9545 Central Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 9545 Central Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,701 sqft · built 1921
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,000 (Oct 2018)
Tax Bill	$8,508 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077-101-17`

Property Details

APN / Parcel Number

Primary APN	`077-101-17`
Alternative APN	`077-101-17-000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,701 sqft Living Area
Gross Area	2,085 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	384 sqft
Deck Area	327 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	9545 CENTRAL AVE
City	BEN LOMOND
State	CA
Zip	95005-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2004
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	2 Individual Names on Record
Mailing Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Oct 31, 2018	Grant Deed, Transfer · Conventional Mortgage OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Deed Document Number	201832892
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Transaction Type	Mortgage
Record Updated	Jan 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349

Mortgage

Document Number	0000032764
Date	Dec 12, 2022
Instrument	2022-0032764

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Nov 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027317
Date	Jul 23, 2020
Instrument	2020-0027317

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026699
Date	Sep 9, 2019
Instrument	2019-0026699

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 31, 2018
Property Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Document Number	0000032892
Instrument Date	Oct 16, 2018
Instrument	2018-0032892
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	9545 CENTRAL AVE, BEN LOMOND, CA 95005-9349

Mortgage

Document Number	0000032893
Date	Oct 31, 2018
Instrument	2018-0032893

Lender

Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$707,262 (+2%) Land $481,529 Building $225,733
2025	$8,508.00 (+11.9%)	$693,395 (+11.98%) Land $472,088 Building $221,307
2023	$7,603.00 (+11.22%)	$619,195 Land $453,756 Building $165,439	$595,980
2022	$6,836.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 64% 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 263 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: Surfnet Communications.

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