5131 Breakwater Way, Oxnard, CA 93035 Property Records

Ventura County property record for 5131 Breakwater Way, Oxnard, CA 93035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,069 sqft · built 1980
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jan 2021)
Tax Bill	$16,040 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`191-0-074-195`

Property Details

APN / Parcel Number

Primary APN	`191-0-074-195`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,069 sqft Living Area
1st Floor Area	1,050 sqft
2nd Floor Area	1,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	4,000 sqft (0.092 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	145 sqft
Deck Area	913 sqft
Patio Area	1,826 sqft

Location & Zoning

Street Address	5131 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: 81 REF: 029MR 061
Legal Subdivision	1277-1
Legal Tract	127701
Legal Block	74
Legal Lot Number	81
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1012
Census Tract	3615

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	5131 BREAKWATER WAY, OXNARD, CA 93035-1802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 4, 2021	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Sep 21, 2016 · Amount on Record
Deed Document Number	2021807
Prior Transfer Date	Dec 22, 2014
Prior Transfer Doc	0000164281
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	5131 BREAKWATER WAY, OXNARD, CA 93035-1802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116206
Date	Sep 8, 2017
Instrument	20170908-00116206

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Jan 4, 2021
Property Address	5131 BREAKWATER WAY, OXNARD, CA 93035-1802
Document Number	0000000807
Map Reference	MB 29 PG 61
Instrument Date	Nov 18, 2020
Instrument	20210104-00000807
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE

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	5131 BREAKWATER WAY, OXNARD, CA 93035-1802

Mortgage

Document Number	0000000808
Date	Jan 4, 2021
Instrument	20210104-00000808

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	1.87%
Type Change Date	Feb 1, 2024
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	3.87%
Index	6-Month T-Bill
Max Rate	6.87%

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		$1,324,895 (+2%) Land $861,182 Building $463,713
2025	$16,040.00 (+2.22%)	$1,298,917 (+4.04%) Land $844,296 Building $454,621
2024	$15,691.00 (+3.8%)
2023	$15,117.00 (+3.12%)	$1,248,480 Land $811,512 Building $436,968
2022	$14,660.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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