4909 Cardinal Way, Oak Park, CA 91377 Property Records

Ventura County property record for 4909 Cardinal Way, Oak Park, CA 91377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,867 sqft · built 1989
Lot Size	0.234 acres (10,208 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,350,000 (Feb 2020)
Tax Bill	$18,812 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`685-0-260-125`

Property Details

APN / Parcel Number

Primary APN	`685-0-260-125`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,867 sqft Living Area
1st Floor Area	1,653 sqft
2nd Floor Area	1,214 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	10,208 sqft (0.234 acres)
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Pool Area	720 sqft
Porch	Porch
Porch Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4909 CARDINAL WAY
City	OAK PARK
State	CA
Zip	91377-4762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD-2.3
Legal Description	TRACT: 434900 LOT: 12 REF: 113MR 45
Legal Subdivision	4349
Legal Tract	434900
Legal Block	260
Legal Lot Number	12
Jurisdiction	VENTURA CA
Township / Civil Division	THOUSAND OAKS
Census Block Group	1
Census Block	1006
Census Tract	7406

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 Individual Names on Record
Mailing Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Feb 21, 2020	Grant Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Mar 23, 2018	Grant Deed, Transfer · ARM UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2020 · Amount on Record
Deed Sale	Feb 21, 2020 · Amount on Record
Prior Sale	Mar 23, 2018 · Amount on Record
Deed Document Number	202026450
Prior Transfer Date	Feb 3, 2010
Prior Transfer Doc	0000016063
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762
Transaction Type	Mortgage
Record Updated	Dec 29, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762

Mortgage

Document Number	2021001985353
Date	Dec 14, 2021
Instrument	2021001985353

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762
Document Number	0000026452
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	30340 PASSAGEWAY PL AGOURA HILLS CA 913012079, AGOURA HILLS, CA 91301-2079

Mortgage

Document Number	0000026452
Date	Feb 21, 2020
Instrument	26452

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

Interest

Rate Type	Adjustable Rate

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Feb 21, 2020
Property Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762
Document Number	0000026450
Map Reference	MB 113 PG 45-48
Instrument Date	Jan 7, 2020
Instrument	20200221-00026450
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	4909 CARDINAL WAY, OAK PARK, CA 91377-4762

Mortgage

Document Number	0000026451
Date	Feb 21, 2020
Instrument	20200221-00026451

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Mortgage

Document Number	0000026452
Date	Feb 21, 2020
Instrument	20200221-00026452

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Mar 23, 2018
Property Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762
Document Number	0000033292
Map Reference	MB113 PG45-48
Instrument Date	Mar 1, 2018
Instrument	20180323-00033292
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	LAWYERS TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4909 CARDINAL WAY, OAK PARK, CA 91377-4762

Mortgage

Document Number	0000033293
Date	Mar 23, 2018
Instrument	20180323-00033293

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.96%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

Source: Ventura County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	Ventura County
Unified School District	Oak Park Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,505,947 (+2%) Land $978,868 Building $527,079
2025	$18,812.00 (+3.25%)	$1,476,419 (+4.04%) Land $959,674 Building $516,745
2024	$18,219.00 (+0.32%)
2023	$18,160.00 (+3.96%)	$1,419,089 Land $922,409 Building $496,680
2022	$17,468.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Feb 2023 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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	TRIUNFO WATER & SANITATION DISTRICT private · serves 13,898 people · EPA ID CA5610043
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) 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 275 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
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile.

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