3178 N Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3178 N Polo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1977
Lot Size	0.117 acres (5,097 sqft)
Owner	2 Individual Names on File
Last Sale	$217,000 (Sep 1996)
Tax Bill	$5,526 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-182-15`

Property Details

APN / Parcel Number

Primary APN	`041-182-15`
Alternative APN	`041-182-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,097 sqft (0.117 acres)
Terrain	Steep
Deck Area	430 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3178 N POLO DR
City	APTOS
State	CA
Zip	95003-4125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	BLK 38 LOT 1
Legal Subdivision	APTOS BCH CNTRY CLB PROP SUB 3
Legal Block	38
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2002
Census Tract	122204

Owner

3178 N Polo Dr is owned and occupied by two individuals who bought it in September 1996.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3178 N POLO DR, APTOS, CA 95003-4125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Apr 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 1996 · Amount on File
Deed Sale	Sep 27, 1996 · Amount on File
Deed Document Number	199654102
Deed Book / Page	5914 / 118
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3178 N POLO DR, APTOS, CA 95003-4125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT SIM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3178 N POLO DR, APTOS, CA 95003-4125

Mortgage

Document Number	0000003748
Date	Jan 22, 2021
Instrument	2021-0003748

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3178 N POLO DR, APTOS, CA 95003-4125
Document Number	0000009132
Instrument Date	Apr 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3178 N POLO DR APTOS CA 950034125, APTOS, CA 95003-4125

Mortgage

Document Number	0000009132
Date	Apr 11, 2019
Instrument	9132

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3178 N POLO DR, APTOS, CA 95003-4125
Document Number	0000011577
Instrument Date	Apr 12, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3178 N POLO DR APTOS CA 950034125, APTOS, CA 95003-4125

Mortgage

Document Number	0000011577
Date	Apr 18, 2018
Instrument	11577

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 17, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 3178 N Polo Dr was $5,526 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$360,500 (+2%) Land $210,985 Building $149,515
2025	$5,526.00 Homeowner's exemption	$353,431 Land $206,848 Building $146,583
2023	$4,935.00 (+2.83%) Homeowner's exemption	$339,706 Land $198,815 Building $140,891	$756,810
2022	$4,799.00

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

Flood

FEMA maps place 3178 N Polo Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3178 N Polo Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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