4521 Costa de Oro, Oxnard, CA 93035 Property Records

Ventura County property record for 4521 Costa de Oro, Oxnard, CA 93035

Property Summary

Property Type	Condominium
Details	4 bd · 2 ba · 1,804 sqft · built 1976
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Company Names on Record
Last Sale	$1,475,000 (Oct 2024)
Tax Bill	$16,047 (2025)
Deeds & Mortgages	Apr 2022 Reverse Mortgage Jun 2021 Re-recorded Document + 7 more
Flood Zone	Zone X (moderate risk)
APN	`188-0-093-375`

Property Details

APN / Parcel Number

Primary APN	`188-0-093-375`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,804 sqft Living Area
1st Floor Area	1,071 sqft
2nd Floor Area	733 sqft
Upper Floors Area	140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	2,800 sqft (0.064 acres)
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Deck Area	363 sqft
Patio Area	726 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4521 COSTA DE ORO
City	OXNARD
State	CA
Zip	93035-3741
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RW2
Legal Description	TRACT: 202603 LOT: 17 REF: 060MR 080
Legal Subdivision	TRACT 2026 3
Legal Tract	202603
Legal Block	93
Legal Lot Number	17
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1006
Census Tract	3616

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 Company Names on Record
Mailing Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jun 4, 2021	Re-recorded Document
Mar 10, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 22, 2019	Correction Deed ATTORNEY ONLY
Mar 6, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 3, 2018	Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2024 · Amount on Record
Deed Sale	Oct 4, 2024 · Amount on Record
Deed Document Number	202466679
Last Transfer Date	Nov 15, 2024
Transfer Doc	0000077459
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741

Mortgage

Document Number	2022000051223
Date	Apr 27, 2022
Instrument	2022000051223

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	866 Months
Due	Jun 9, 2094

June 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	VENTURA CA
Recording Date	Jun 4, 2021
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000110695
Map Reference	MB 60 PG 80
Instrument Date	May 24, 2021
Instrument	20210604-00110695
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741

Mortgage

Document Number	0000051068
Date	Mar 10, 2021
Instrument	20210310-00051068

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	879 Months
Due	Jun 9, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.44%
Type Change Date	May 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000123034
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4521 COSTA DE ORO OXNARD CA 930353741, OXNARD, CA 93035-3741

Mortgage

Document Number	0000123034
Date	Oct 10, 2019
Instrument	123034

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Oct 9, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.41%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000123035
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4521 COSTA DE ORO OXNARD CA 930353741, OXNARD, CA 93035-3741

Mortgage

Document Number	0000123035
Date	Oct 10, 2019
Instrument	123035

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Oct 9, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.41%

April 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	VENTURA CA
Recording Date	Apr 22, 2019
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000043073
Instrument Date	Mar 4, 2019
Instrument	43073
Record Updated	May 8, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4521 COSTA DE OXNARD CA 93035, OXNARD, CA 93035

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Mar 6, 2019
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000024383
Instrument Date	Mar 4, 2019
Instrument	24383
Transaction Type	Transfer
Record Updated	Mar 20, 2019
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	Revocable Trust
Address	4521 COSTA DE ORO OXNARD CA 930353741, OXNARD, CA 93035-3741

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VENTURA CA
Recording Date	Dec 3, 2018
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000133591
Map Reference	MB60 PG80
Instrument Date	Nov 23, 2018
Instrument	20181203-00133591
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	WFG NATIONAL TITLE CO OF CAL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741

Mortgage

Document Number	0000133592
Date	Dec 3, 2018
Instrument	20181203-00133592

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Feb 16, 2018
Property Address	4521 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number	0000019647
Instrument Date	Jan 29, 2018
Instrument	19647
Transaction Type	Transfer
Record Updated	Feb 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4521 COSTA DE ORO OXNARD CA 930353741, OXNARD, CA 93035-3741

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		$1,295,689 (+2.62%) Land $842,619 Building $453,070
2025	$16,047.00 (+148.6%)	$1,262,626 (+161.79%) Land $821,143 Building $441,483
2024	$6,455.00 (+3.55%)
2023	$6,234.00 (+2.91%) Homeowner's exemption	$482,308 Land $120,564 Building $361,744
2022	$6,058.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 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 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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