Santa Cruz County property record for 3521 N Polo Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,182 sqft · built 1947 |
| Lot Size | 0.493 acres (21,475 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,607 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-191-42 |
| Primary APN | 041-191-42 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 1,182 sqft Living Area |
| Gross Area | 1,612 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 21,475 sqft (0.493 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 560 sqft |
| Patio Area | 560 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3521 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 | 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 |
3521 N Polo Dr is held in a trust since December 2005.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 88 NUNES RD, WATSONVILLE, CA 95076-9627 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 2, 2005 |
| Transfer Doc | 0000089888 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3521 N Polo Dr was $2,607.
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 | $96,869 (+2%) Land $24,896 Building $71,973 | ||
| 2025 | $2,607.00 | $94,970 Land $24,408 Building $70,562 | |
| 2023 | $2,071.00 (+1.02%) | $91,282 Land $23,460 Building $67,822 | $957,330 |
| 2022 | $2,050.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3521 N Polo Dr in Zone X, an area of minimal flood risk.
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 risk around 3521 N Polo Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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.
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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