420 Saddle Ln, Ojai, CA 93023 Property Records

Ventura County property record for 420 Saddle Ln, Ojai, CA 93023

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.75 ba · 4,135 sqft · built 1986
Lot Size	3.48 acres (152,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,762,500 (Jun 2023)
Tax Bill	$35,223 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jun 2023 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`024-0-132-065`

Property Details

APN / Parcel Number

Primary APN	`024-0-132-065`

Interior

Bedrooms	5 Beds
Full Baths	4.75 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,135 sqft Living Area
1st Floor Area	3,315 sqft
2nd Floor Area	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	152,024 sqft
Garage Area	823 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	640 sqft
Porch	Porch
Porch Area	260 sqft
Patio Area	396 sqft

Location & Zoning

Street Address	420 SADDLE LN
City	OJAI
State	CA
Zip	93023-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO4
Legal Description	TRACT: 353100 LOT: 11 REF: 091MR 095
Legal Subdivision	3531
Legal Tract	353100
Legal Block	132
Legal Lot Number	11
Jurisdiction	VENTURA CA
Township / Civil Division	OJAI-MIRA MONTE
Census Block Group	2
Census Block	2017
Census Tract	902

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	420 SADDLE LN, OJAI, CA 93023-4204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 16, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 14, 2022	Deed of Trust, Mortgage · Construction Mortgage VAL CHRIS INVESTMENTS INC
Aug 3, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 9, 2019	Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Oct 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 20, 2017	Quit Claim Deed, Transfer · VA Mortgage PLANET HM LNDG
Nov 13, 2017	Quit Claim Deed, Transfer · VA Mortgage PLANET HM LNDG
Jun 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Oct 9, 2019
Deed Document Number	202341218
Prior Transfer Date	Oct 30, 1998
Prior Transfer Doc	0000194799
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SADDLE LN, OJAI, CA 93023-4204

Mortgage

Document Number	0000082534
Date	Dec 21, 2023
Instrument	2023000082534

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Jun 16, 2023
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Document Number	0000041218
Map Reference	MB 91 PG 95-101
Instrument Date	May 5, 2023
Instrument	2023000041218
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1925 S RICE RD, OJAI, CA 93023-3805

Mortgage

Document Number	0000041219
Date	Jun 16, 2023
Instrument	2023000041219

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Transaction Type	Mortgage
Record Updated	Sep 28, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SADDLE LN, OJAI, CA 93023-4204

Mortgage

Document Number	2022000093030
Date	Sep 14, 2022
Instrument	2022000093030

Lender

Name	VAL CHRIS INVESTMENTS INC
Type	Non-Lending Institution
Address	IRVINE, CA 92614

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115114
Date	Aug 3, 2020
Instrument	20200803-00115114

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2050

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VENTURA CA
Recording Date	Oct 9, 2019
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Document Number	0000122901
Map Reference	MB 91 PG 101
Instrument Date	Oct 4, 2019
Instrument	20191009-00122901
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	WFG NATIONAL TITLE CO OF CA

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	Joint Tenants
Address	420 SADDLE LN, OJAI, CA 93023-4204

Mortgage

Document Number	0000122902
Date	Oct 9, 2019
Instrument	20191009-00122902

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Oct 9, 2019
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Document Number	0000122903
Instrument Date	Oct 4, 2019
Instrument	122903
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	420 SADDLE LN OJAI CA 930234204, OJAI, CA 93023-4204

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Oct 20, 2017
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Document Number	0000136370
Instrument Date	Oct 12, 2017
Instrument	136370
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	420 SADDLE LN OJAI CA 930234204, OJAI, CA 93023-4204

Mortgage

Document Number	0000136371
Date	Oct 20, 2017
Instrument	136371

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Nov 13, 2017
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Document Number	0000146964
Instrument Date	Oct 12, 2017
Instrument	146964
Transaction Type	Transfer
Record Updated	Dec 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	420 SADDLE LN OJAI CA 930234204, OJAI, CA 93023-4204

Mortgage

Document Number	136371
Date	Nov 13, 2017
Instrument	136371

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Jun 14, 2017
Property Address	420 SADDLE LN, OJAI, CA 93023-4204
Document Number	0000076762
Instrument Date	Jun 1, 2017
Instrument	76762
Transaction Type	Transfer
Record Updated	Jun 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	420 SADDLE LN OJAI CA 930234204, OJAI, CA 93023-4204

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Ventura County
Municipality	Ojai City
Unified School District	Ojai Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,931,463 (+2%) Land $1,905,399 Building $1,026,064
2025	$35,223.00 (+2.2%) Homeowner's exemption	$2,873,984 (+26.84%) Land $1,868,038 Building $1,005,946
2024	$34,466.00 (+23.14%)
2023	$27,990.00 (+1.67%) Homeowner's exemption	$2,265,810 (+2%) Land $1,595,922 Building $669,888
2022	$27,531.00 Homeowner's exemption	$2,221,383 Land $1,564,630 Building $656,753

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 49 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	48 (1986–2023)
Claims Outside the SFHA	27 of 48
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Debris Flows, And Mudslides, Jan 2005 · 22 claims Severe Winter Storms And Flooding, Mar 1998 · 21 claims

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	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OJAI WATER SYSTEM private · serves 6,801 people · EPA ID CA5610014
Water Source	Purchased surface water from CASITAS MUNICIPAL WATER DIST
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2021–2023) 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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

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