976 Fanning Grade, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 976 Fanning Grade, Ben Lomond, CA 95005

Property Summary

Property Type	Destroyed / Uninhabitable Vacant Land
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Apr 2024)
Tax Bill	$285 (2025)
Deeds & Mortgages	Aug 2026 Sale Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-121-29`

Property Details

APN / Parcel Number

Primary APN	`078-121-29`
Alternative APN	`078-121-29-000`

Exterior

Lot Area	21,344 sqft (0.49 acres)
Terrain	Steep

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	976 FANNING GRADE
City	BEN LOMOND
State	CA
Zip	95005-9222
Property Category	Vacant Land
Property Type	Vacant Land > Destroyed / Uninhabitable
Local Zoning Code	R-1-1AC
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1022
Census Tract	120301

Owner

976 Fanning Grade, destroyed / uninhabitable vacant land, is held in a trust since April 2024.

Source: Santa Cruz County records, as of September 1, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1040 FANNING GRADE, BEN LOMOND, CA 95005-9222
Owner Type	Company
Vesting	Trust

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
Aug 18, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 8, 2025	Intrafamily Transfer, Transfer
Apr 16, 2024	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
May 18, 2020	Deed of Trust, Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on File
Deed Sale	Apr 16, 2024 · Amount on File
Deed Document Number	20247066
Prior Transfer Date	Dec 19, 1997
Prior Transfer Doc	0000061766
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 18, 2026
Property Address	976 FANNING GRADE, BEN LOMOND, CA 95005-9222
Document Number	0000018572
Instrument Date	Aug 13, 2026
Instrument	202618572
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1040 FANNING GRADE, BEN LOMOND, CA 95005-9222

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 8, 2025
Property Address	976 FANNING GRADE, BEN LOMOND, CA 95005-9222
Document Number	0000026348
Instrument Date	Dec 4, 2025
Instrument	2025-0026348
Transaction Type	Transfer
Record Updated	Dec 25, 2025

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	PO BOX 93, LAMONT, CA 93241-0093

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 16, 2024
Property Address	976 FANNING GRADE, BEN LOMOND, CA 95005-9222
Document Number	0000007066
Instrument Date	Mar 25, 2024
Instrument	2024-0007066
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$935.00
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	1040 FANNING GRADE, BEN LOMOND, CA 95005-9222

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	976 FANNING GRADE, BEN LOMOND, CA 95005-9222
Document Number	0000017823
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	ENTITLE INSURANCE COMPANY, ENTITLE INS CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1040 FANNING GRADE BEN LOMOND CA 950059222, BEN LOMOND, CA 95005-9222

Mortgage

Document Number	0000017823
Date	May 26, 2020
Instrument	17823

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 976 Fanning Grade was $285.

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
2026		$17,687 (+2%) Land $17,687
2025	$285.00	$17,340 Land $17,340
2023	$66.00 (+1.54%)	$5,776 Land $5,776
2022	$65.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 976 Fanning Grade in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1980.

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	20 (1980–2017)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2017 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 8 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 4 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 976 Fanning Grade is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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