639 Raft Ln, Oxnard, CA 93035 Property Records

Ventura County property record for 639 Raft Ln, Oxnard, CA 93035

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,422 sqft · built 1998
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Tax Bill	$6,185 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0-163-175`

Property Details

APN / Parcel Number

Primary APN	`185-0-163-175`
Alternative APN	`1830160495`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,422 sqft Living Area
1st Floor Area	1,372 sqft
2nd Floor Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	6,000 sqft (0.138 acres)
Garage Area	663 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	110 sqft

Location & Zoning

Street Address	639 RAFT LN
City	OXNARD
State	CA
Zip	93035-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1PD
Legal Description	TRACT: 484005 LOT: 201 REF: 126MR 63
Legal Subdivision	4840-5
Legal Tract	484005
Legal Block	163
Legal Lot Number	201
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	2
Census Block	2002
Census Tract	3608

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	Individual Name on File
Mailing Address	639 RAFT LN, OXNARD, CA 93035-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 31, 2020	Quit Claim Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2020
Deed Sale	Jan 31, 2020
Prior Sale	Jun 27, 2014 · Amount on Record
Deed Document Number	202014042
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	639 RAFT LN, OXNARD, CA 93035-1223
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 RAFT LN, OXNARD, CA 93035-1223

Mortgage

Document Number	0000077773
Date	Nov 29, 2021
Instrument	2021000077773

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Jan 31, 2020
Property Address	639 RAFT LN, OXNARD, CA 93035-1223
Document Number	0000014042
Instrument Date	Jan 27, 2020
Instrument	14042
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 RAFT LN OXNARD CA 930351223, OXNARD, CA 93035-1223

Mortgage

Document Number	14043
Date	Jan 31, 2020
Instrument	14043

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

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		$677,695 (+2%) Land $440,756 Building $236,939
2025	$6,185.00 (+1.76%) Veteran's exemption	$664,407 (+4.04%) Land $432,113 Building $232,294
2024	$6,078.00 (+3.14%)
2023	$5,893.00 (+1.31%)	$638,608 Land $415,333 Building $223,275
2022	$5,817.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 691 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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