905 Saratoga St, Oxnard, CA 93035 Property Records

Ventura County property record for 905 Saratoga St, Oxnard, CA 93035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,598 sqft · built 1956
Lot Size	0.158 acres (6,893 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Jul 2021)
Tax Bill	$8,353 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`183-0-181-015`

Property Details

APN / Parcel Number

Primary APN	`183-0-181-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,598 sqft Living Area
Gross Area	986 sqft
1st Floor Area	986 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Stucco
Construction Type	Frame
Lot Area	6,893 sqft (0.158 acres)
Lot Dimensions	110 ft deep x 63 ft wide
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	170 sqft
Patio Area	165 sqft

Location & Zoning

Street Address	905 SARATOGA ST
City	OXNARD
State	CA
Zip	93035-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MAP 21 PG 45 BLK 5 LOT 11
Legal Subdivision	SEA AIR PARK
Legal Block	181
Jurisdiction	VENTURA CA
Township / Civil Division	OXNARD
Census Block Group	1
Census Block	1009
Census Tract	3608

Owner

905 Saratoga St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	905 SARATOGA ST, OXNARD, CA 93035-1544
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
Jul 1, 2021	Grant Deed, Transfer · Conventional Mortgage OPTION FUNDING INC
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Jul 11, 2008 · Amount on File
Deed Document Number	2021126766
Prior Transfer Date	May 8, 2001
Prior Transfer Doc	0000102850
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Jul 1, 2021
Property Address	905 SARATOGA ST, OXNARD, CA 93035-1544
Document Number	0000126766
Map Reference	MB 21 PG 45
Instrument Date	May 24, 2021
Instrument	20210701-00126766
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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
Relationship	Joint Tenants
Address	905 SARATOGA ST, OXNARD, CA 93035-1544

Mortgage

Document Number	0000126767
Date	Jul 1, 2021
Instrument	20210701-00126767

Lender

Name	OPTION FUNDING INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	905 SARATOGA ST, OXNARD, CA 93035-1544
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 SARATOGA ST, OXNARD, CA 93035-1544

Mortgage

Document Number	0000019015
Date	Jan 29, 2021
Instrument	20210129-00019015

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	905 SARATOGA ST, OXNARD, CA 93035-1544
Document Number	0000054675
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	905 SARATOGA ST OXNARD CA 930351544, OXNARD, CA 93035-1544

Mortgage

Document Number	0000054675
Date	Apr 22, 2020
Instrument	54675

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 905 Saratoga St was $8,353, 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		$687,344 (+2%) Land $447,046 Building $240,298
2025	$8,353.00 (+2.19%)	$673,867 Land $438,280 Building $235,587
2024	$8,174.00 (+3.78%)
2023	$7,876.00 (+3.1%)	$647,700 Land $421,260 Building $226,440
2022	$7,639.00

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

Flood

FEMA maps place 905 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

The area around 905 Saratoga St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

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

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