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Welcome to 200 Railroad Avenue in charming Ben Lomond a sunny retreat on approximately ¼ acre in the heart of Santa Cruz County. This 3-bedroom, 3-bath home plus a generous loft (ideal as a 4th bedroom) offers flexibility, warmth, and an alpine-inspired feel with vaulted ceilings and abundant natural light. One bedroom includes a private entrance and full bath, creating options for guests, multigenerational living, rental potential, or a dedicated office or studio. The remodeled kitchen and bathrooms provide modern comfort, complemented by thoughtful updates including upgraded electrical service, plumbing improvements, and a recently serviced septic system. A walk-in pantry and separate laundry room add valuable usable space beyond the recorded square footage. Outdoor living features a spacious rear deck suited for entertaining or relaxing in the built-in hot tub. The fenced yard offers a peaceful, secret garden setting with raised beds and room to unwind among the trees. The home is less than a mile from downtown Ben Lomond, close to river access and local swimming spots, and approximately 10 miles to Santa Cruz. Secondary access from Riverside Park Drive provides additional parking for extra vehicles, recreational gear, or an RV a rare convenience in this part of the valley.
Listing agent: Stephen Wyman DRE #02113206 stephenwyman1@gmail.com, Listing office: eXp Realty of Northern California, Inc.
MLS data updated 10/31/2026, 5:45:09 AM PT
Source: CRMLS, MLS #: ML82046225
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Jun 25, 2026
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$955,000Closed sale · Jun 25, 2026ZIP 95005 · Jun 2026
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.