Santa Cruz County property record for 3173 N Polo Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,752 sqft · built 1959 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,150,000 (Jul 2019) |
| Tax Bill | $15,749 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-181-42 |
| Primary APN | 041-181-42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,752 sqft Living Area |
| Gross Area | 2,636 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Attached |
| Garage Area | 884 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3173 N POLO DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Subdivision | APTOS BEACH CC PROPS 03 |
| Legal Block | 36 |
| Legal Lot Number | 1,2 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 122204 |
Source: Santa Cruz County records · APN 041-181-42
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3173 N POLO DR, APTOS, CA 95003-4131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jun 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 02, 2019 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2019 · Amount on Record |
| Deed Sale | Jul 02, 2019 · Amount on Record |
| Deed Document Number | 201918273 |
| Prior Transfer Date | Jun 14, 1999 |
| Prior Transfer Doc | 0000050198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3173 N POLO DR, APTOS, CA 95003-4131 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3173 N POLO DR, APTOS, CA 95003-4131 |
| Document Number | 0000030754 |
|---|---|
| Date | Jun 03, 2021 |
| Instrument | 2021-0030754 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jul 02, 2019 |
| Property Address | 3173 N POLO DR, APTOS, CA 95003-4131 |
| Document Number | 0000018273 |
| Map Reference | MAP 23 PG 3 |
| Instrument Date | Jul 01, 2019 |
| Instrument | 2019-0018273 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3173 N POLO DR, APTOS, CA 95003-4131 |
| Investor | Possibly a Property Investor |
| Document Number | 0000018274 |
|---|---|
| Date | Jul 02, 2019 |
| Instrument | 2019-0018274 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,282,847 (+2%) Land $1,087,631 Building $195,216 | ||
| 2025 | $15,749.00 (+9.82%) Homeowner's exemption | $1,257,693 (+4.04%) Land $1,066,305 Building $191,388 | |
| 2023 | $14,341.00 (+2.1%) Homeowner's exemption | $1,208,855 Land $1,024,899 Building $183,956 | $1,142,460 |
| 2022 | $14,046.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications.
Based on FCC filings for 221 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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