432 W Elm St, Oxnard, CA 93033 Property Records

Ventura County property record for 432 W Elm St, Oxnard, CA 93033

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,032 sqft · built 1950
Lot Size	0.15 acres (6,552 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Nov 2018)
Tax Bill	$6,081 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`203-0-183-110`

Property Details

APN / Parcel Number

Primary APN	`203-0-183-110`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	6,552 sqft (0.15 acres)
Lot Dimensions	117 ft deep x 56 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	18 sqft
Patio Area	682 sqft

Location & Zoning

Street Address	432 W ELM ST
City	OXNARD
State	CA
Zip	93033-3159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT: 4 REF: 017MR 074
Legal Subdivision	JAMES J KROUSER
Legal Tract	1
Legal Block	183
Legal Lot Number	4
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	3
Census Block	3018
Census Tract	3801

Owner

Source: Ventura County assessment roll, 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	Individual Name on File
Mailing Address	432 W ELM ST, OXNARD, CA 93033-3159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2019	Deed of Trust, Mortgage · Conventional with PMI NATIONS LNDG
Nov 9, 2018	Grant Deed, Transfer · Conventional with PMI NATIONS LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 9, 2018 · Amount on Record
Deed Sale	Nov 9, 2018 · Amount on Record
Prior Sale	Sep 5, 2012 · Amount on Record
Deed Document Number	2018126451
Prior Transfer Date	Apr 6, 2006
Prior Transfer Doc	0000075541
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	432 W ELM ST, OXNARD, CA 93033-3159
Document Number	0000100860
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 W ELM ST OXNARD CA 930333159, OXNARD, CA 93033-3159

Mortgage

Document Number	0000100860
Date	Aug 29, 2019
Instrument	100860

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Nov 9, 2018
Property Address	432 W ELM ST, OXNARD, CA 93033-3159
Document Number	0000126451
Instrument Date	Nov 5, 2018
Instrument	126451
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$489.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 W ELM ST OXNARD CA 930333159, OXNARD, CA 93033-3159

Mortgage

Document Number	126452
Date	Nov 9, 2018
Instrument	126452

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2048

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		$506,331 (+2%) Land $329,400 Building $176,931
2025	$6,081.00 (+2.24%) Homeowner's exemption	$496,403 (+4.04%) Land $322,941 Building $173,462
2024	$5,948.00 (+3.82%)
2023	$5,729.00 (+3.11%) Homeowner's exemption	$477,128 Land $310,401 Building $166,727
2022	$5,556.00

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

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: California Internet, Verizon.

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