3350 S Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3350 S Polo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,014 sqft · built 1975
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Jun 2018)
Tax Bill	$5,881 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-651-15`

Property Details

APN / Parcel Number

Primary APN	`041-651-15`
Alternative APN	`041-651-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,014 sqft Living Area
Gross Area	2,586 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,619 sqft (0.129 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	3350 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
Legal Description	PARCEL MAPS 22 PG 22
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	3350 S POLO DR, APTOS, CA 95003-4121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 21, 2019	Quit Claim Deed, Transfer · Conventional with PMI KRKABOB INCORPORATED
Jun 6, 2018	Grant Deed, Transfer KRKABOB INCORPORATED

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2018 · Amount on Record
Deed Sale	Jun 6, 2018 · Amount on Record
Prior Sale	Jul 22, 1996 · Amount on Record
Deed Document Number	201817197
Last Transfer Date	May 15, 2019
Transfer Doc	0000013595
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3350 S POLO DR, APTOS, CA 95003-4121
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3350 S POLO DR, APTOS, CA 95003-4121

Mortgage

Document Number	0000002031
Date	Feb 7, 2023
Instrument	2023-0002031

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3350 S POLO DR, APTOS, CA 95003-4121
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3350 S POLO DR, APTOS, CA 95003-4121

Mortgage

Document Number	0000051187
Date	Dec 1, 2020
Instrument	2020-0051187

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 21, 2019
Property Address	3350 S POLO DR, APTOS, CA 95003-4121
Document Number	0000013595
Instrument Date	May 15, 2019
Instrument	13595
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3350 S POLO DR APTOS CA 950034121, APTOS, CA 95003-4121

Mortgage

Document Number	13596
Date	May 21, 2019
Instrument	13596

Lender

Name	KRKABOB INCORPORATED
Type	Bank
Address	PLEASANT HILL, CA 94523

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 6, 2018
Property Address	3350 S POLO DR, APTOS, CA 95003-4121
Document Number	0000017197
Instrument Date	May 10, 2018
Instrument	17197
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3350 S POLO DR APTOS CA 950034121, APTOS, CA 95003-4121

Mortgage

Document Number	17198
Date	Jun 6, 2018
Instrument	17198

Lender

Name	KRKABOB INCORPORATED
Type	Bank
Address	PLEASANT HILL, CA 94523

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2048

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		$496,827 (+2%) Land $217,630 Building $279,197
2025	$5,881.00 (+10.4%) Homeowner's exemption	$487,086 (+4.04%) Land $213,363 Building $273,723
2023	$5,327.00 (+1.93%) Homeowner's exemption	$468,172 Land $205,078 Building $263,094	$649,170
2022	$5,226.00

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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