9913 Alba Rd, Ben Lomond, CA 95005 Property Records

Santa Cruz County property record for 9913 Alba Rd, Ben Lomond, CA 95005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,510 sqft · built 1921
Lot Size	0.582 acres (25,352 sqft)
Owner	Individual Name on File
Last Sale	$798,000 (May 2023)
Tax Bill	$10,076 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078-142-08`

Property Details

APN / Parcel Number

Primary APN	`078-142-08`
Alternative APN	`078-142-08-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,510 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	25,352 sqft (0.582 acres)
Terrain	Steep
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	9913 ALBA RD
City	BEN LOMOND
State	CA
Zip	95005-9244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1021
Census Tract	120301

Owner

9913 Alba Rd is owned by an individual who bought it in May 2023.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 2929, SANTA CLARA, CA 95055-2929
Owner Type	Individual
Vesting	Community Property

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 26, 2023	Grant Deed, Transfer · Stand-Alone First Mortgage 2004 0000427 LLC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
May 13, 2019	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2023 · Amount on File
Deed Sale	May 26, 2023 · Amount on File
Prior Sale	May 13, 2019 · Amount on File
Deed Document Number	20239319
Prior Transfer Date	Apr 21, 1998
Prior Transfer Doc	0000028825
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 26, 2023
Property Address	9913 ALBA RD, BEN LOMOND, CA 95005-9244
Document Number	0000009319
Instrument Date	May 24, 2023
Instrument	2023-0009319
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$877.80
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
Address	PO BOX 2929, SANTA CLARA, CA 95055-2929

Mortgage

Document Number	0000009320
Date	May 26, 2023
Instrument	2023-0009320

Lender

Name	2004 0000427 LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	9913 ALBA RD, BEN LOMOND, CA 95005-9244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029029
Date	Sep 25, 2019
Instrument	2019-0029029

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 13, 2019
Property Address	9913 ALBA RD, BEN LOMOND, CA 95005-9244
Document Number	0000012637
Instrument Date	May 7, 2019
Instrument	2019-0012637
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9913 ALBA RD, BEN LOMOND, CA 95005-9244

Mortgage

Document Number	0000012638
Date	May 13, 2019
Instrument	2019-0012638

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 9913 Alba Rd was $10,076, up 19.5% from the year before.

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		$846,844 (+2%) Land $533,788 Building $313,056
2025	$10,076.00 (+19.45%)	$830,239 Land $523,321 Building $306,918
2024	$8,435.00 (+0.91%)
2023	$8,359.00 (+2.43%) Homeowner's exemption	$691,571 Land $481,419 Building $210,152	$700,290
2022	$8,161.00

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

Flood

FEMA maps place 9913 Alba Rd 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 9913 Alba Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% 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 69 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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