5445 S J St, Oxnard, CA 93033 Property Records

Ventura County property record for 5445 S J St, Oxnard, CA 93033

Property Summary

Property Type	Duplex
Details	1,761 sqft · built 1961
Lot Size	0.152 acres (6,635 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Mar 2022)
Tax Bill	$8,370 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`222-0-092-045`

Property Details

APN / Parcel Number

Primary APN	`222-0-092-045`

Interior

Building Area	1,761 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Duplex Single
Lot Area	6,635 sqft (0.152 acres)

Location & Zoning

Street Address	5445 S J ST
City	OXNARD
State	CA
Zip	93033-8819
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	TRACT: 136500 LOT: 26 REF: 031MR 052
Legal Subdivision	1365
Legal Tract	136500
Legal Block	92
Legal Lot Number	26
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1005
Census Tract	4507

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	5447 S J ST, OXNARD, CA 93033-8819
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 30, 2022	Grant Deed, Transfer · Conventional Mortgage MLD MORTGAGE
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2022 · Amount on Record
Deed Sale	Mar 30, 2022 · Amount on Record
Prior Sale	May 6, 2016 · Amount on Record
Deed Document Number	202241234
Prior Transfer Date	Mar 15, 2022
Prior Transfer Doc	0000041234
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	5445 S J ST, OXNARD, CA 93033-8819
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 S J ST, OXNARD, CA 93033-8819

Mortgage

Document Number	0000076297
Date	Oct 24, 2025
Instrument	2025000076297

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 23, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Mar 30, 2022
Property Address	5445 S J ST, OXNARD, CA 93033-8819
Document Number	2022000041234
Map Reference	MB 31 PG 52
Instrument Date	Mar 15, 2022
Instrument	2022000041234
Transaction Type	Transfer
Record Updated	Apr 11, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	5447 S J ST, OXNARD, CA 93033-8819

Mortgage

Document Number	2022000041235
Date	Mar 30, 2022
Instrument	2022000041235

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	5445 S J ST, OXNARD, CA 93033-8819
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 S J ST, OXNARD, CA 93033-8819

Mortgage

Document Number	0000094703
Date	May 11, 2021
Instrument	20210511-00094703

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	Hueneme 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		$703,580 (+2%) Land $460,034 Building $243,546
2025	$8,370.00 (+1.76%)	$689,785 (+4.04%) Land $451,014 Building $238,771
2024	$8,225.00 (+6.27%)
2023	$7,740.00 (+37.99%)	$663,000 Land $433,500 Building $229,500
2022	$5,609.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond 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 669 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 USA Fixed Wireless	100 / 20

May also be available: AT&T, California Internet.

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