4202 Harbour Island Ln, Oxnard, CA 93035 Property Records

Ventura County property record for 4202 Harbour Island Ln, Oxnard, CA 93035

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 2,164 sqft · built 1988
Lot Size	0.09 acres (3,912 sqft)
Owner	Trust Name on File
Last Sale	$885,000 (Sep 2018)
Tax Bill	$9,000 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`188-0-130-025`

Property Details

APN / Parcel Number

Primary APN	`188-0-130-025`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,164 sqft Living Area
1st Floor Area	2,164 sqft
Upper Floors Area	327 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	3,912 sqft (0.09 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	327 sqft

Location & Zoning

Street Address	4202 HARBOUR ISLAND LN
City	OXNARD
State	CA
Zip	93035-2900
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CPC
Legal Description	TRACT: 413201 LOT: 4 REF: 108MR 37 CONDO PLAN: A-2
Legal Subdivision	HARBOUR ISLAND
Legal Tract	413201
Legal Block	130
Legal Lot Number	4
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	2
Census Block	2016
Census Tract	3616

Owner

4202 Harbour Island Ln, a condominium, is owner-occupied and held in a trust since March 2020.

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

Owner of Record	Trust Name on File
Mailing Address	4202 HARBOUR ISLAND LN, OXNARD, CA 93035-2900
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2020	Reverse Mortgage, Transfer · FHA Mortgage FINANCE OF AMERICA REVERSE
Sep 7, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Prior Sale	Nov 12, 2015 · Amount on File
Deed Document Number	2018102513
Last Transfer Date	Mar 27, 2020
Transfer Doc	0000046853
Record Updated	Oct 29, 2026

April 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	VENTURA CA
Recording Date	Apr 2, 2020
Property Address	4202 HARBOUR ISLAND LN, OXNARD, CA 93035-2900
Document Number	0000046853
Instrument Date	Mar 27, 2020
Instrument	46853
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	FNC TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4202 HARBOUR ISLAND LN OXNARD CA 930352900, OXNARD, CA 93035-2900

Mortgage

Document Number	46854
Date	Apr 2, 2020
Instrument	46854

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	828 Months
Due	Apr 1, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.86%

Mortgage

Document Number	46855,
Date	Apr 2, 2020
Instrument	46855

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	828 Months
Due	Apr 1, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.86%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Sep 7, 2018
Property Address	4202 HARBOUR ISLAND LN, OXNARD, CA 93035-2900
Document Number	0000102513
Instrument Date	Aug 24, 2018
Instrument	102513
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$973.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10611 WALNUT DR SUNLAND CA 910401365, SUNLAND, CA 91040-1365

Tax Assessment & Valuation

The 2025 property tax bill for 4202 Harbour Island Ln was $9,000 with a homeowner's exemption, up 2.1% from the year before.

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		$718,182 (+2%) Land $313,901 Building $404,281
2025	$9,000.00 (+2.15%) Homeowner's exemption	$704,100 Land $307,746 Building $396,354
2024	$8,811.00 (+3.65%)
2023	$8,501.00 (+2.99%) Homeowner's exemption	$676,760 Land $295,796 Building $380,964
2022	$8,254.00

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

Flood

FEMA maps place 4202 Harbour Island Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	34 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

The area around 4202 Harbour Island Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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 594 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Frontier.

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