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9913 Alba Rd, Ben Lomond, CA, 95005

4beds
2baths
1,250sqft
$725,000
$580price/sqft
$4,951/moest. monthly cost
$198,040/yrincome needed

About This Home

PRICE REDUCED Step into this charming 4-bedroom, 2-bathroom retreat tucked away in the tranquil community of Ben Lomond. With 1,250 sq ft of comfortable living space set on a sprawling 25,352 sq ft lot, this property offers the perfect blend of privacy, space, and rustic appeal. The thoughtfully designed kitchen features tile countertops, an electric oven, microwave, dishwasher, and refrigeratorideal for both everyday living and entertaining. An inviting eat-in dining area adds a touch of convenience and cozy charm. Located within the San Lorenzo Valley Unified School District, this home offers a tranquil lifestyle surrounded by nature. Designed for efficient living without a separate family room, every space is thoughtfully utilized. Whether youre looking for a peaceful getaway or a full-time residence, this property delivers comfort, character, and room to breathe

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1921

Materials

  • Foundation: Concrete Perimeter,Pillar/Post/Pier
  • Roof: Composition, Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Oven,Refrigerator
  • Laundry features: Inside

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom

  • Features: StallShower, FullonGroundFloor

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: EatinKitchen

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Wood Burning Stove

Heating & Cooling

  • Heating features: Floor Furnace,Pellet Stove
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,250
  • Total interior livable area: 1,250 sqft

Kitchen

  • Features: Countertop_Tile

Property

Details

  • Parcel number: 07814208000
  • Zoning: R-1-15
  • Special condition: Standard

Features

  • Stories: 3
  • Spa features: Other,Spa/HotTub
  • Has view: Yes
  • View description: Forest/Woods

Lot

  • Lot size: 0.58 Acres

Parking

  • Total 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 $3,665$43,980
Home Insurance *$185$2,220
Property Taxes $703$8,436
Electricity $398$4,786
Total$4,951$59,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,748/yr
40% on housing$148,530/yr
45% on housing$132,026/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

$580This listing

vs Other Active Listings

Avg $/sqft

ZIP 95005$476
Santa Cruz County$621

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
2026-04-23Price change$725,000
2026-04-02Price change$745,000
2026-02-05Price change$750,000
2026-01-19Price change$799,000
2026-01-11Price change$849,000
2025-12-30Listed for sale$899,000
2023-05-26Sold$798,000
2023-05-11Pending sale$699,000
2023-05-06Listing removed--
2023-05-01Contingent$699,000
2023-04-28Listed for sale$699,000
2019-05-13Sold$645,000
2019-04-16Pending sale$659,500
2019-03-07Price change$659,500
2019-02-26Price change$665,000
2019-01-18Listed for sale$670,000
2016-04-14Listing removed$495,000
2016-04-14Listed for sale$495,000
2016-03-30Sold$506,000
2016-03-05Pending sale$495,000
2016-02-04Listed for sale$495,000
2014-05-29Sold$385,000

For Sale by Agent

AgentJeana Beech, eXp Realty of California Inc
BrokerageeXp Realty of California Inc

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