3276 N Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3276 N Polo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,866 sqft · built 1991
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Tax Bill	$3,802 (2025)
Deeds & Mortgages	Jan 2019 Transfer Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-182-08`

Property Details

APN / Parcel Number

Primary APN	`041-182-08`
Alternative APN	`041-182-08-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,866 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Terrain	Steep
Deck Area	339 sqft
Patio Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3276 N POLO DR
City	APTOS
State	CA
Zip	95003-4130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	APTOS BEACH CC PROPS 03
Legal Lot Number	8
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	Individual Name on Record
Mailing Address	3276 N POLO DR, APTOS, CA 95003-4130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 24, 2019
Transfer Doc	0000001942
Record Updated	Sep 20, 2026

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 24, 2019
Property Address	3276 N POLO DR, APTOS, CA 95003-4130
Document Number	0000001942
Instrument Date	Jan 24, 2019
Instrument	1942
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	ATTORNEY ONLY

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	3276 N POLO DR APTOS CA 950034130, APTOS, CA 95003-4130

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3276 N POLO DR, APTOS, CA 95003-4130
Document Number	0000026969
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3276 N POLO DR APTOS CA 950034130, APTOS, CA 95003-4130

Mortgage

Document Number	0000026969
Date	Aug 15, 2017
Instrument	26969

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 14, 2032

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		$205,014 (+2%) Land $34,685 Building $170,329
2025	$3,802.00 (+13.53%) Homeowner's exemption	$200,994 (+4.04%) Land $34,005 Building $166,989
2023	$3,349.00 (+3.36%) Homeowner's exemption	$193,190 Land $32,685 Building $160,505	$1,153,980
2022	$3,240.00

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

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