845 Saratoga St, Oxnard, CA 93035 Property Records

Ventura County property record for 845 Saratoga St, Oxnard, CA 93035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 982 sqft · built 1956
Lot Size	0.154 acres (6,712 sqft)
Owner	Individual Name on File
Tax Bill	$6,287 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`183-0-171-035`

Property Details

APN / Parcel Number

Primary APN	`183-0-171-035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	982 sqft Living Area
1st Floor Area	982 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	6,712 sqft (0.154 acres)
Lot Dimensions	110 ft deep x 61 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	60 sqft

Location & Zoning

Street Address	845 SARATOGA ST
City	OXNARD
State	CA
Zip	93035-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	SEA AIR PARK
Legal Block	171
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1006
Census Tract	3608

Owner

845 Saratoga St is owned and occupied by an individual who acquired it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	845 SARATOGA ST, OXNARD, CA 93035-1530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 3, 2024	Intrafamily Transfer, Transfer · FHA Mortgage THE LOAN STORE INC
Jul 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jun 18, 2020	Loan Modification, Mortgage · Conventional with PMI FLAGSTAR BK
Aug 6, 2018	Grant Deed, Transfer · VA Mortgage CAPSTONE DIRECT
Apr 24, 2018	Grant Deed, Transfer LAWYERS TITLE-VN/SYNRGO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2024
Deed Sale	Oct 3, 2024
Prior Sale	Aug 6, 2018 · Amount on File
Deed Document Number	202466634
Prior Transfer Date	Jul 19, 2021
Prior Transfer Doc	0000140700
Record Updated	Oct 29, 2026

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VENTURA CA
Recording Date	Oct 3, 2024
Property Address	845 SARATOGA ST, OXNARD, CA 93035-1530
Document Number	0000066634
Map Reference	MB 21 PG 45
Instrument Date	Sep 17, 2024
Instrument	2024000066634
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Address	845 SARATOGA ST, OXNARD, CA 93035-1530

Mortgage

Document Number	0000066635
Date	Oct 3, 2024
Instrument	2024000066635

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VENTURA CA
Recording Date	Jul 27, 2021
Property Address	845 SARATOGA ST, OXNARD, CA 93035-1530
Document Number	0000140700
Map Reference	MB 21 PG 45
Instrument Date	Jul 19, 2021
Instrument	20210727-00140700
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	PRIORITY TITLE-CAMARILLO, PRIORITY TITLE CAMARILLO

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
Address	845 SARATOGA ST, OXNARD, CA 93035-1530

Mortgage

Document Number	0000140701
Date	Jul 27, 2021
Instrument	20210727-00140701

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	VENTURA CA
Property Address	845 SARATOGA ST, OXNARD, CA 93035-1530
Document Number	0000106856
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	845 SARATOGA ST OXNARD CA 930351530, OXNARD, CA 93035-1530

Mortgage

Document Number	0000106856
Date	Jul 22, 2020
Instrument	106856

Lender

Name	FLAGSTAR BK
Type	Bank
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

Interest

Rate	3.87%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Aug 6, 2018
Property Address	845 SARATOGA ST, OXNARD, CA 93035-1530
Document Number	0000089721
Instrument Date	Jul 26, 2018
Instrument	89721
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	845 SARATOGA ST OXNARD CA 930351530, OXNARD, CA 93035-1530

Mortgage

Document Number	89722
Date	Aug 6, 2018
Instrument	89722

Lender

Name	CAPSTONE DIRECT
Address	THOUSAND OARS, CA 91320

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Apr 24, 2018
Property Address	845 SARATOGA ST, OXNARD, CA 93035-1530
Document Number	0000047008
Instrument Date	Apr 3, 2018
Instrument	47008
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	LAWYERS TITLE-VN/SYNRGO

Transaction

Amount	Amount on Record
Tax	$390.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	341 E LOOP DR CAMARILLO CA 930101327, CAMARILLO, CA 93010-1327

Tax Assessment & Valuation

The 2025 property tax bill for 845 Saratoga St was $6,287 with a homeowner's exemption, 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		$523,397 (+2%) Land $340,211 Building $183,186
2025	$6,287.00 (+2.24%)	$513,135 Land $333,540 Building $179,595
2024	$6,149.00 (+3.8%)
2023	$5,924.00 (+3.13%) Homeowner's exemption	$493,210 Land $320,588 Building $172,622
2022	$5,744.00

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

Flood

FEMA maps place 845 Saratoga St in Zone X, an area of moderate flood risk.

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

Wildfire risk around 845 Saratoga St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 511 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 Fixed Wireless	100 / 20

May also be available: AT&T, Frontier, GeoLinks, Verizon.

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