9560 Central Ave, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 9560 Central Ave, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,321 sqft · built 1932
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,960 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`077-093-12`

Property Details

APN / Parcel Number

Primary APN	`077-093-12`
Alternative APN	`077-093-12-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,321 sqft Living Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	9560 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
Legal Subdivision	BEN LOMOND
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	2
Census Block	2003
Census Tract	120302

Owner

9560 Central Ave is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349
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
Oct 28, 2021	Intrafamily Transfer, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Oct 28, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Dec 27, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 23, 2020	Quit Claim Deed, Transfer UNISOURCE
Dec 23, 2020	Intrafamily Transfer, Transfer · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021
Deed Sale	Oct 28, 2021
Prior Sale	Dec 23, 2020
Deed Document Number	202153927
Prior Transfer Date	Oct 12, 2021
Prior Transfer Doc	0000053927
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 28, 2021
Property Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Document Number	0000053927
Map Reference	MB 10 PG 10
Instrument Date	Oct 12, 2021
Instrument	2021-0053927
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	AMROCK INC, AMROCK LLC

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
Relationship	Joint Tenants
Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349

Mortgage

Document Number	0000053928
Date	Oct 28, 2021
Instrument	2021-0053928

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 28, 2021
Property Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Document Number	0000053929
Map Reference	MB 10 PG 10
Instrument Date	Oct 12, 2021
Instrument	2021-0053929
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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
Relationship	Living Trust
Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041147
Date	Dec 27, 2019
Instrument	2019-0041147

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2020
Property Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Document Number	0000056155
Instrument Date	Dec 2, 2020
Instrument	56155
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	UNISOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	9560 CENTRAL AVE BEN LOMOND CA 950059349, BEN LOMOND, CA 95005-9349

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2020
Property Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349
Document Number	0000056153
Map Reference	MB 10 PG 10
Instrument Date	Dec 2, 2020
Instrument	2020-0056153
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	UNISOURCE

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
Relationship	Joint Tenants
Address	9560 CENTRAL AVE, BEN LOMOND, CA 95005-9349

Mortgage

Document Number	0000056154
Date	Dec 23, 2020
Instrument	2020-0056154

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9560 Central Ave was $8,960 with a homeowner's exemption.

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		$754,671 (+2%) Land $452,803 Building $301,868
2025	$8,960.00	$739,873 Land $443,924 Building $295,949
2023	$8,585.00 (+2.42%) Homeowner's exemption	$711,143 Land $426,686 Building $284,457	$760,500
2022	$8,382.00

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

Flood

FEMA maps place 9560 Central Ave in Zone X, an area of minimal flood risk, though there have been 39 flood claims nearby since 1981.

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
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 9560 Central Ave is low, with a 0.05% annual chance of 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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