Santa Cruz County property record for 3519 N Polo Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 805 sqft · built 1946 |
| Lot Size | 0.238 acres (10,367 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,086 (2025) |
| Deeds & Mortgages | May 2021 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-191-43 |
| Primary APN | 041-191-43 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 805 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,367 sqft (0.238 acres) |
| Terrain | Steep |
| Deck Area | 357 sqft |
| Patio Area | 357 sqft |
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Street Address | 3519 N POLO DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Subdivision | RIO DEL MAR 01 |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 122204 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3519 N POLO DR, APTOS, CA 95003-4112 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 4, 2016 |
| Transfer Doc | 0000006136 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3519 N POLO DR, APTOS, CA 95003-4112 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SERVICE |
| Name | Verified Name |
|---|---|
| Address | 3519 N POLO DR, APTOS, CA 95003-4112 |
| Document Number | 0000027790 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021-0027790 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 904 Months |
| Due | Sep 5, 2096 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jun 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $223,459 (+2%) Land $159,154 Building $64,305 | ||
| 2025 | $5,086.00 (+18.72%) Homeowner's exemption | $219,078 (+4.04%) Land $156,034 Building $63,044 | |
| 2023 | $4,284.00 (+2.41%) Homeowner's exemption | $210,571 Land $149,975 Building $60,596 | $555,570 |
| 2022 | $4,183.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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