6404 la Cumbre Rd, Somis, CA 93066 Property Records

Ventura County property record for 6404 la Cumbre Rd, Somis, CA 93066

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,700 sqft · built 1973
Lot Size	1.27 acres (55,756 sqft)
Owner	2 Individual Names on File
Last Sale	$895,000 (May 2021)
Tax Bill	$10,560 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-0-240-515`

Property Details

APN / Parcel Number

Primary APN	`110-0-240-515`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,700 sqft Living Area
1st Floor Area	2,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	55,756 sqft
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	6404 LA CUMBRE RD
City	SOMIS
State	CA
Zip	93066-9721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1AC
Legal Description	LOT: B REF: 002PM 098
Legal Subdivision	COUNTY OF VENTURA
Legal Block	240
Legal Lot Number	B
Jurisdiction	VENTURA CA
Township / Civil Division	LAS POSAS
Census Block Group	2
Census Block	2090
Census Tract	9300

Owner

6404 la Cumbre Rd is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	6404 LA CUMBRE RD, SOMIS, CA 93066-9721
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 8, 2026	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CU
Jul 28, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 5, 2021	Grant Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2021 · Amount on File
Deed Sale	May 5, 2021 · Amount on File
Deed Document Number	202191132
Last Transfer Date	Jun 18, 2021
Transfer Doc	0000141229
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	6404 LA CUMBRE RD, SOMIS, CA 93066-9721
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6404 LA CUMBRE RD, SOMIS, CA 93066-9721
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000963
Date	Jan 8, 2026
Instrument	2026000000963

Lender

Name	WESCOM CENTRAL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VENTURA CA
Recording Date	Jul 28, 2021
Property Address	6404 LA CUMBRE RD, SOMIS, CA 93066-9721
Document Number	0000141229
Map Reference	MB 2 PG 98
Instrument Date	Jun 18, 2021
Instrument	20210728-00141229
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6404 LA CUMBRE RD, SOMIS, CA 93066-9721
Investor	Possibly a Property Investor

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	May 5, 2021
Property Address	6404 LA CUMBRE RD, SOMIS, CA 93066-9721
Document Number	0000091132
Map Reference	MB 2 PG 98
Instrument Date	Mar 27, 2021
Instrument	20210505-00091132
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL ESCROW

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	6404 LA CUMBRE RD, SOMIS, CA 93066-9721

Mortgage

Document Number	0000091133
Date	May 5, 2021
Instrument	20210505-00091133

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000091134
Date	May 5, 2021
Instrument	20210505-00091134

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 6404 la Cumbre Rd was $10,560 with a homeowner's exemption, up 2% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Ventura County
Secondary School District	Oxnard Union High School District (09 - 12)
Elementary School District	Somis Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$988,151 (+2%) Land $642,575 Building $345,576
2025	$10,560.00 (+1.99%) Homeowner's exemption	$968,776 Land $629,976 Building $338,800
2024	$10,354.00 (+5.44%)
2023	$9,820.00 (+0.05%) Homeowner's exemption	$931,158 Land $605,513 Building $325,645
2022	$9,815.00

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

Flood

FEMA maps place 6404 la Cumbre Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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 File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

Wildfire risk around 6404 la Cumbre Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	VENTURA CWWD NO. 19 - SOMIS serves 1,429 people · EPA ID CA5610015
Water Source	Purchased surface water from CALLEGUAS MUNICIPAL WATER DIST
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2019–2021) 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Rocket Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on la Cumbre Rd

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