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295 Jims Rd, Ben Lomond, CA, 95005

4beds
6baths
3,528sqft
$1,590,000
$451price/sqft
$10,662/moest. monthly cost
$426,480/yrincome needed

About This Home

Absolutely stunning Tahoe-style home on 1.8 acres, offering privacy, comfort, and exceptional indoor-outdoor living. The living room features vaulted wood-beam ceilings, a dramatic stone hearth with wood-burning stove, and floor-to-ceiling windows that fill the space with natural light and scenic views. Beautiful maple wood floors flow through the living room, kitchen, and primary suite. The kitchen offers granite counters, abundant maple cabinetry, stainless steel appliances, butcher block island, built-in buffet, and a dining area with a charming fireplace. Step out to the expansive deck, perfect for al fresco dining. The primary suite is a true retreat with private balcony, large walk-in closet, sitting area, loft, and a pass-through fireplace into the spa-like bath with dual sinks, soaking tub, and separate shower. Three additional bedrooms include two en suites. Spacious laundry room nearby. The family/bonus room features a cozy gas stone fireplace and built-in bar, opening to a wrap-around deck. Bonus room with half bath and private entrance ideal for office or guest use. Gorgeous landscaped grounds with flagstone patios, pergola, firepit, and usable land. A rare redwood retreat!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Laundry features: Inside

Bathroom

  • Features: PrimaryStallShowers, StallShower, FullonGroundFloor, PrimaryOversizedTub, HalfonGroundFloor, OversizedTub

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 3
  • 1/2 bathrooms: 3

Dining Room

  • Features: EatinKitchen

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,Walk-In Closet(s)
  • Flooring: Hardwood,Stone,Tile
  • Fireplace features: Gas,Wood Burning

Heating & Cooling

  • Heating features: Propane Stove,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 3,528
  • Total interior livable area: 3,528 sqft

Kitchen

  • Features: Countertop_Granite

Property

Details

  • Parcel number: 07802156000
  • Zoning: PR; R-1-1AC; RA
  • Special condition: Standard

Features

  • Has view: Yes
  • View description: Forest/Woods

Lot

  • Lot size: 1.83 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Wildfire
Heat Wave
Winter Weather

FEMA Declared Disasters in Santa Cruz County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,039$96,468
Home Insurance *$406$4,872
Property Taxes $1,461$17,532
Electricity $756$9,078
Total$10,662$127,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$365,554/yr
40% on housing$319,860/yr
45% on housing$284,320/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$451This listing

vs Other Active Listings

Avg $/sqft

ZIP 95005$472
Santa Cruz County$620

vs Homes Sold Last Month

Median $/sqft

ZIP 95005$689
Santa Cruz County$663

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-06Listed for sale$1,590,000

For Sale by Agent

AgentRobert Aldana
BrokerageKW Thrive Santa Cruz

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