3340 S Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3340 S Polo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,226 sqft · built 1930
Lot Size	0.104 acres (4,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Apr 2020)
Tax Bill	$9,215 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-651-01`

Property Details

APN / Parcel Number

Primary APN	`041-651-01`
Alternative APN	`041-651-01-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,226 sqft Living Area
Gross Area	1,488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1994
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,530 sqft (0.104 acres)
Garage Type	Attached
Garage Area	262 sqft
Parking Spaces	1 Parking Space
Deck Area	146 sqft
Patio Area	146 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3340 S POLO DR
City	APTOS
State	CA
Zip	95003-4121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
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	3340 S POLO DR, APTOS, CA 95003-4121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 3, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on Record
Deed Sale	Apr 3, 2020 · Amount on Record
Prior Sale	Jul 28, 2016 · Amount on Record
Deed Document Number	202011689
Prior Transfer Date	Jul 22, 2016
Prior Transfer Doc	0000027253
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3340 S POLO DR, APTOS, CA 95003-4121
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 S POLO DR, APTOS, CA 95003-4121

Mortgage

Document Number	0000045133
Date	Aug 31, 2021
Instrument	2021-0045133

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 3, 2020
Property Address	3340 S POLO DR, APTOS, CA 95003-4121
Document Number	0000011689
Map Reference	VOL 22 PG 22
Instrument Date	Apr 1, 2020
Instrument	2020-0011689
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3340 S POLO DR, APTOS, CA 95003-4121

Mortgage

Document Number	0000011690
Date	Apr 3, 2020
Instrument	2020-0011690

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$797,596 (+2%) Land $613,535 Building $184,061
2025	$9,215.00 (+9.77%) Homeowner's exemption	$781,957 (+4.04%) Land $601,505 Building $180,452
2023	$8,395.00 (+1.87%) Homeowner's exemption	$751,592 Land $578,148 Building $173,444	$729,090
2022	$8,241.00

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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