5121 Breakwater Way, Oxnard, CA 93035 Property Records

Ventura County property record for 5121 Breakwater Way, Oxnard, CA 93035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,495 sqft · built 1978
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$1,340,000 (Feb 2026)
Tax Bill	$15,465 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`191-0-074-175`

Property Details

APN / Parcel Number

Primary APN	`191-0-074-175`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,495 sqft Living Area
1st Floor Area	1,495 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	4,000 sqft (0.092 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5121 BREAKWATER WAY
City	OXNARD
State	CA
Zip	93035-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB1
Legal Description	TRACT: 127701 LOT: 79 REF: 029MR 061
Legal Subdivision	TRACT NO 1 277 1
Legal Tract	127701
Legal Block	74
Legal Lot Number	79
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1012
Census Tract	3615

Owner

5121 Breakwater Way is owned and occupied by an individual who bought it in February 2026.

Source: Ventura County records, as of July 15, 2026

Owner of Record	Individual Name on File
Mailing Address	5121 BREAKWATER WAY, OXNARD, CA 93035-1802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Grant Deed, Transfer · Conventional Mortgage BARRETT FINANCIAL GROUP LLC
Nov 5, 2021	Grant Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Nov 5, 2021 · Amount on File
Deed Document Number	202615223
Prior Transfer Date	Oct 28, 2009
Prior Transfer Doc	0000179146
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Feb 26, 2026
Property Address	5121 BREAKWATER WAY, OXNARD, CA 93035-1802
Document Number	0000015223
Map Reference	MB 29 PG 61
Instrument Date	Feb 3, 2026
Instrument	2026000015223
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	5121 BREAKWATER WAY, OXNARD, CA 93035-1802

Mortgage

Document Number	0000015224
Date	Feb 26, 2026
Instrument	2026000015224

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Nov 5, 2021
Property Address	5121 BREAKWATER WAY, OXNARD, CA 93035-1802
Document Number	2021001967534
Map Reference	MB 29 PG 61
Instrument Date	Oct 26, 2021
Instrument	2021001967534
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS TITLE

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	Revocable Trust
Address	13609E E HEDGEHOG PL, SCOTTSDALE, AZ 85262-9546

Mortgage

Document Number	2021001967535
Date	Nov 5, 2021
Instrument	2021001967535

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5121 Breakwater Way was $15,465, 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		$1,277,269 (+2%) Land $830,226 Building $447,043
2025	$15,465.00 (+2.22%)	$1,252,225 Land $813,947 Building $438,278
2024	$15,129.00 (+3.8%)
2023	$14,575.00 (+3.12%)	$1,203,600 Land $782,340 Building $421,260
2022	$14,134.00

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

Flood

FEMA maps place 5121 Breakwater Way in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2023.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 33 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 units insured incl. 4 condo units
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 5121 Breakwater Way 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 719 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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