4550 Costa de Oro, Oxnard, CA 93035 Property Records

Ventura County property record for 4550 Costa de Oro, Oxnard, CA 93035 · Last verified July 2026

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 2,237 sqft · built 1971
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (May 2018)
Tax Bill	$16,612 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`188-0-087-035`

Property Details

APN / Parcel Number

Primary APN	`188-0-087-035`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,237 sqft Living Area
1st Floor Area	1,096 sqft
2nd Floor Area	1,141 sqft
Upper Floors Area	78 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Condo/Apartment
Lot Area	2,800 sqft (0.064 acres)
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	75 sqft
Deck Area	352 sqft
Patio Area	150 sqft

Location & Zoning

Street Address	4550 COSTA DE ORO
City	OXNARD
State	CA
Zip	93035-3742
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TRACT: 202602 LOT: 27 REF: 058MR 080
Legal Subdivision	2026-2
Legal Tract	202602
Legal Block	87
Legal Lot Number	27
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1007
Census Tract	3616

Owner

Source: Ventura County records · APN 188-0-087-035

Assessment roll updated July 15, 2026 · Last verified July 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 File
Mailing Address	3818 SEAHORN DR, MALIBU, CA 90265-5660
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 31, 2017	Grant Deed, Transfer · ARM UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	201856134
Prior Transfer Date	Jul 01, 2010
Prior Transfer Doc	0000097813
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VENTURA CA
Recording Date	May 16, 2018
Property Address	4550 COSTA DE ORO, OXNARD, CA 93035-3742
Document Number	0000056134
Map Reference	MB58 PG80-82
Instrument Date	May 02, 2018
Instrument	20180516-00056134
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ADVANTAGE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3818 SEAHORN DR, MALIBU, CA 90265-5660

Mortgage

Document Number	0000056135
Date	May 16, 2018
Instrument	20180516-00056135

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2033

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	May 31, 2017
Property Address	4550 COSTA DE ORO, OXNARD, CA 93035-3742
Document Number	0000070266
Map Reference	MB58 PG80-82
Instrument Date	May 01, 2017
Instrument	20170531-00070266
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	5027 WHEATON PARK DR, SUGAR LAND, TX 77479-3717

Mortgage

Document Number	0000070267
Date	May 31, 2017
Instrument	20170531-00070267

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 01, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

Source: Ventura County records · Assessment roll updated July 15, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$1,334,670 (+2%) Land $867,538 Building $467,132
2025	$16,612.00 (+2.16%)	$1,308,500 (+4.04%) Land $850,527 Building $457,973
2024	$16,261.00 (+3.69%)
2023	$15,682.00 (+3.02%)	$1,257,691 Land $817,500 Building $440,191
2022	$15,222.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ventura County (06111C), updated September 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 061110036161, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 39 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 594 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Frontier, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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