2320 el Cajon Way, Oxnard, CA 93035 Property Records

Ventura County property record for 2320 el Cajon Way, Oxnard, CA 93035

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,835 sqft · built 1979
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Aug 2014)
Tax Bill	$9,933 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2018 Loan Modification
Flood Zone	Zone X (moderate risk)
APN	`186-0-013-045`

Property Details

APN / Parcel Number

Primary APN	`186-0-013-045`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,835 sqft Living Area
1st Floor Area	936 sqft
2nd Floor Area	899 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stucco
Construction Type	Frame
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	167 ft deep x 55 ft wide
Garage Area	586 sqft
Parking Spaces	2 Parking Spaces
Deck Area	612 sqft
Patio Area	612 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2320 EL CAJON WAY
City	OXNARD
State	CA
Zip	93035-2641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT: 247801 LOT: 4 REF: 076MR 033
Legal Subdivision	2478-1
Legal Tract	247801
Legal Block	13
Legal Lot Number	4
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	3
Census Block	3010
Census Tract	8800

Owner

Source: Ventura County records, as of July 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2320 EL CAJON WAY, OXNARD, CA 93035-2641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 2, 2018	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2014 · Amount on Record
Deed Sale	Aug 8, 2014 · Amount on Record
Deed Document Number	201499200
Prior Transfer Date	Jul 25, 2014
Prior Transfer Doc	0000099201
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	2320 EL CAJON WAY, OXNARD, CA 93035-2641
Document Number	0000004425
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2320 EL CAJON WAY OXNARD CA 930352641, OXNARD, CA 93035-2641

Mortgage

Document Number	0000004425
Date	Jan 16, 2019
Instrument	4425

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2049

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	VENTURA CA
Property Address	2320 EL CAJON WAY, OXNARD, CA 93035-2641
Document Number	0000048288
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2320 EL CAJON WAY OXNARD CA 930352641, OXNARD, CA 93035-2641

Mortgage

Document Number	0000048288
Date	May 3, 2019
Instrument	48288

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Ventura County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	Ventura County
Municipality	Oxnard City
Elementary School District	Oxnard Elementary School District (KG - 08)
Secondary School District	Oxnard Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$582,286 (+2%) Land $378,795 Building $203,491
2025	$9,933.00 (+1.57%)	$570,869 (+4.04%) Land $371,368 Building $199,501
2024	$9,779.00 (+2.65%)
2023	$9,527.00 (+2.16%)	$548,702 Land $356,947 Building $191,755
2022	$9,326.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OXNARD WATER DEPT serves 200,232 people · EPA ID CA5610007
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025–2027) 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 789 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Frontier, GeoLinks, T-Mobile, Verizon.

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