FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
4561 COSTA DE ORO, OXNARD, CA 93035-3741
Mortgage
Document Number
2022000034731
Date
Mar 15, 2022
Instrument
2022000034731
Lender
Name
ALLIANT CU
Type
Credit Union
Address
CHICAGO, IL 60666
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
May 2021: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
VENTURA CA
Recording Date
May 19, 2021
Property Address
4561 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number
0000100192
Map Reference
MB 60 PG 80
Instrument Date
May 10, 2021
Instrument
20210519-00100192
Transaction Type
Transfer
Record Updated
Jun 2, 2021
Title Company
CHICAGO TITLE COMPANY
Transaction
Amount
Amount on Record
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
4561 COSTA DE ORO, OXNARD, CA 93035-3741
Mortgage
Document Number
0000100193
Date
May 19, 2021
Instrument
20210519-00100193
Lender
Name
FINANCE OF AMERICA MORTGAGE LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jun 1, 2051
Mortgage
Document Number
0000100194
Date
May 19, 2021
Instrument
20210519-00100194
Lender
Name
ALLIANT CU
Type
Credit Union
Address
CHICAGO, IL 60666
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
August 2017: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
VENTURA CA
Property Address
4561 COSTA DE ORO, OXNARD, CA 93035-3741
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Title Company
TITLE 365
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000110046
Date
Aug 25, 2017
Instrument
20170825-00110046
Lender
Name
FREEDOM MORTGAGE CORP
Type
Subprime Lender
Address
MOUNT LAUREL, NJ 08054
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Sep 1, 2047
July 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
VENTURA CA
Property Address
4561 COSTA DE ORO, OXNARD, CA 93035-3741
Document Number
0000102993
Instrument Date
Jul 22, 2019
Transaction Type
Mortgage
Record Updated
Sep 17, 2019
Title Company
INGEO
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
4561 COSTA DE ORO OXNARD CA 930353741, OXNARD, CA 93035-3741
Mortgage
Document Number
0000102993
Date
Sep 4, 2019
Instrument
102993
Lender
Name
NAVY FCU
Type
Credit Union
Address
VIENNA, VA 22180
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
240 Months
Due
Sep 3, 2039
Tax Assessment & Valuation
The 2025 property tax bill for 4561 Costa de Oro was $20,542 with a homeowner's exemption, up 2.2% 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
$1,667,161 (+2%)Land $1,083,656Building $583,505
2025
$20,542.00 (+2.18%)Homeowner's exemption
$1,634,472Land $1,062,408Building $572,064
2024
$20,103.00 (+3.72%)
2023
$19,382.00 (+3.05%)Homeowner's exemption
$1,571,004Land $1,021,153Building $549,851
2022
$18,808.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 4561 Costa de Oro 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 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
The area around 4561 Costa de Oro 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