3185 N Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3185 N Polo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,134 sqft · built 1992
Lot Size	0.131 acres (5,706 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Jan 1998)
Tax Bill	$7,469 (2025)
Deeds & Mortgages	May 2021 Transfer Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-181-53`

Property Details

APN / Parcel Number

Primary APN	`041-181-53`
Alternative APN	`041-181-53-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,134 sqft Living Area
Gross Area	2,534 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,706 sqft (0.131 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3185 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 Description	BLK 36 LOT 11
Legal Subdivision	APTOS BCH CNTRY CLB PROP 03
Legal Lot Number	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2002
Census Tract	122204

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	3185 N POLO DR, APTOS, CA 95003-4131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE COMPANY
Apr 21, 2021	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Dec 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 1998 · Amount on Record
Deed Sale	Jan 9, 1998 · Amount on Record
Deed Document Number	19981155
Last Transfer Date	Apr 14, 2021
Transfer Doc	0000026466
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 10, 2021
Property Address	3185 N POLO DR, APTOS, CA 95003-4131
Document Number	0000026466
Map Reference	MB 23 PG 3
Instrument Date	Apr 14, 2021
Instrument	2021-0026466
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3185 N POLO DR, APTOS, CA 95003-4131

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 21, 2021
Property Address	3185 N POLO DR, APTOS, CA 95003-4131
Document Number	0000022801
Map Reference	MB 23 PG 3
Instrument Date	Apr 14, 2021
Instrument	2021-0022801
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3185 N POLO DR, APTOS, CA 95003-4131

Mortgage

Document Number	0000022802
Date	Apr 21, 2021
Instrument	2021-0022802

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jun 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 26, 2019
Property Address	3185 N POLO DR, APTOS, CA 95003-4131
Document Number	0000041004
Instrument Date	Dec 9, 2019
Instrument	41004
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3185 N POLO DR APTOS CA 950034131, APTOS, CA 95003-4131

Tax Assessment & Valuation

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		$535,851 (+2%) Land $321,511 Building $214,340
2025	$7,469.00 (+11.1%) Homeowner's exemption	$525,343 (+4.04%) Land $315,206 Building $210,137
2023	$6,723.00 (+2.53%) Homeowner's exemption	$504,944 Land $302,967 Building $201,977	$1,095,300
2022	$6,557.00

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

Flood

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

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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