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3421 N Polo Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3421 N Polo Dr, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 830 sqft · built 1932
Lot Size0.269 acres (11,718 sqft)
OwnerTrust Name on Record
Last Sale$509,000 (Jun 2024)
Tax Bill$8,558 (2025)
Deeds & MortgagesDec 2020 Mortgage
May 2019 Transfer
Flood ZoneZone X (minimal risk)
APN041-191-09

Property Details

APN / Parcel Number

Primary APN041-191-09
Alternative APN
  • 041-191-09-000

Interior

Bedrooms1 Bed
Full Baths1 Bath
Total Rooms3 Rooms
Building Area830 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1985
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area11,718 sqft (0.269 acres)
Garage TypeAttached
Garage Area220 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemFloor/Wall Furnace
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address3421 N POLO DR
CityAPTOS
StateCA
Zip95003-4128
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-6
Legal DescriptionLOT 2
Legal SubdivisionPOLO FIELD 01/R
Legal Lot Number2
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2002
Census Tract122204

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 RecordTrust Name on Record
Mailing Address3421 N POLO DR, APTOS, CA 95003-4128
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Dec 14, 2020Deed of Trust, Mortgage · Conventional Mortgage
STEARNS LENDING LLC
May 24, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 20, 2024 · Amount on Record
Deed SaleJun 20, 2024 · Amount on Record
Prior SaleMar 5, 1997 · Amount on Record
Deed Document Number202411574
Prior Transfer DateJun 13, 2024
Prior Transfer Doc0000011573
Record UpdatedSep 20, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address3421 N POLO DR, APTOS, CA 95003-4128
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3421 N POLO DR, APTOS, CA 95003-4128

Mortgage

Document Number0000053672
DateDec 14, 2020
Instrument2020-0053672
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
AddressLEWISVILLE, TX 75057
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 24, 2019
Property Address3421 N POLO DR, APTOS, CA 95003-4128
Document Number0000014005
Instrument DateApr 25, 2019
Instrument14005
Transaction TypeTransfer
Record UpdatedJun 6, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3421 N POLO DR APTOS CA 950034128, APTOS, CA 95003-4128

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$529,564 (+2%) Land $416,160 Building $113,404
2025$8,558.00 (+72.19%)$519,180 (+89.51%) Land $408,000 Building $111,180
2023$4,970.00 (+2.33%) Homeowner's exemption$273,959 Land $195,684 Building $78,275$714,510
2022$4,857.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskModerate
above 40% of the US · lower than 76% of California
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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