4565 Costa de Oro, Oxnard, CA 93035 Property Records

Ventura County property record for 4565 Costa de Oro, Oxnard, CA 93035

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,376 sqft · built 1976
Lot Size	0.073 acres (3,180 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,831 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`188-0-093-275`

Property Details

APN / Parcel Number

Primary APN	`188-0-093-275`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	3,180 sqft (0.073 acres)
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Deck Area	332 sqft
Patio Area	664 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4565 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: 26 REF: 060MR 080
Legal Subdivision	2026-3
Legal Tract	202603
Legal Block	93
Legal Lot Number	26
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1006
Census Tract	3616

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	2 Individual Names on File
Mailing Address	4565 COSTA DE ORO, OXNARD, CA 93035-3741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 28, 2005
Deed Sale	Jan 28, 2005
Prior Sale	Jun 28, 2002 · Amount on Record
Deed Document Number	200521861
Last Transfer Date	Apr 3, 2013
Transfer Doc	0000066335
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4565 COSTA DE ORO, OXNARD, CA 93035-3741
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 COSTA DE ORO, OXNARD, CA 93035-3741

Mortgage

Document Number	2022000000770
Date	Jan 4, 2022
Instrument	2022000000770

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4565 COSTA DE ORO, OXNARD, CA 93035-3741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000124063
Date	Nov 5, 2018
Instrument	20181105-00124063

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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		$1,194,291 (+2%) Land $597,146 Building $597,145
2025	$14,831.00 (+2.16%) Homeowner's exemption	$1,170,874 (+4.04%) Land $585,437 Building $585,437
2024	$14,517.00 (+3.69%)
2023	$14,000.00 (+3.02%) Homeowner's exemption	$1,125,408 Land $562,704 Building $562,704
2022	$13,590.00

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 · 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

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 USA Fixed Wireless	100 / 20

May also be available: AT&T, Frontier.

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