3357 N Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3357 N Polo Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,422 sqft · built 1978
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Company Names on Record
Last Sale	$610,000 (Jun 2008)
Tax Bill	$10,591 (2025)
Deeds & Mortgages	Sep 2025 Transfer Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-191-01`

Property Details

APN / Parcel Number

Primary APN	`041-191-01`
Alternative APN	`041-191-01-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,422 sqft Living Area
Gross Area	1,835 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces
Deck Area	225 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3357 N POLO DR
City	APTOS
State	CA
Zip	95003-4129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	LOT 21
Legal Subdivision	APTOS RHO &
Legal Lot Number	21
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 Company Names on Record
Mailing Address	3357 N POLO DR, APTOS, CA 95003-4129
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Intrafamily Transfer, Transfer
Aug 2, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 22, 2018	Loan Modification, Mortgage · Conventional Mortgage CITIMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2008 · Amount on Record
Deed Sale	Jun 6, 2008 · Amount on Record
Prior Sale	Jul 15, 1998 · Amount on Record
Deed Document Number	200824412
Prior Transfer Date	May 6, 2003
Prior Transfer Doc	0000046445
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2025
Property Address	3357 N POLO DR, APTOS, CA 95003-4129
Document Number	0000019405
Instrument Date	May 7, 2025
Instrument	2025-0019405
Transaction Type	Transfer
Record Updated	Oct 20, 2025

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	3357 NORTH POLO DRIVE, MILPITAS, CA 95035

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3357 N POLO DR, APTOS, CA 95003-4129
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3357 N POLO DR, APTOS, CA 95003-4129

Mortgage

Document Number	0000022251
Date	Aug 2, 2022
Instrument	2022-0022251

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3357 N POLO DR, APTOS, CA 95003-4129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3357 N POLO DR, APTOS, CA 95003-4129

Mortgage

Document Number	0000000145
Date	Jan 4, 2021
Instrument	2021-0000145

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	3357 N POLO DR, APTOS, CA 95003-4129
Document Number	0000009569
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3357 N POLO DR APTOS CA 950034129, APTOS, CA 95003-4129

Mortgage

Document Number	0000009569
Date	Apr 2, 2018
Instrument	9569

Lender

Name	CITIMORTGAGE
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

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		$817,273 (+2%) Land $490,364 Building $326,909
2025	$10,591.00 (+12.45%)	$801,248 (+4.04%) Land $480,749 Building $320,499
2023	$9,418.00 (+1.57%)	$770,134 Land $462,080 Building $308,054	$750,240
2022	$9,272.00

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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% 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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