978 Gardner Ave, Ventura, CA 93004 Property Records

Ventura County property record for 978 Gardner Ave, Ventura, CA 93004

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,578 sqft · built 1965
Lot Size	0.143 acres (6,218 sqft)
Owner	Individual Name on Record
Last Sale	$599,000 (Aug 2019)
Tax Bill	$7,190 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`089-0-113-055`

Property Details

APN / Parcel Number

Primary APN	`089-0-113-055`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,218 sqft (0.143 acres)
Lot Dimensions	103 ft deep x 60 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	82 sqft
Patio Area	212 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	978 GARDNER AVE
City	VENTURA
State	CA
Zip	93004-2338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT: 175301 LOT: 33 REF: 043MR 088
Legal Subdivision	1753-1
Legal Tract	175301
Legal Block	113
Legal Lot Number	33
Jurisdiction	VENTURA CA
Township / Civil Division	VENTURA
Census Block Group	2
Census Block	2012
Census Tract	1304

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	978 GARDNER AVE, VENTURA, CA 93004-2338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 31, 2017	Deed of Trust, Mortgage · ARM BROKER SOLUTIONS INC
Aug 9, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Aug 9, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Prior Sale	Aug 9, 2019
Deed Document Number	201991364
Prior Transfer Date	Jul 29, 2019
Prior Transfer Doc	0000091363
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	978 GARDNER AVE, VENTURA, CA 93004-2338
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 GARDNER AVE, VENTURA, CA 93004-2338

Mortgage

Document Number	0001989437
Date	Dec 22, 2021
Instrument	2021001989437

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VENTURA CA
Property Address	978 GARDNER AVE, VENTURA, CA 93004-2338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000141785
Date	Oct 31, 2017
Instrument	20171031-00141785

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VENTURA CA
Recording Date	Aug 9, 2019
Property Address	978 GARDNER AVE, VENTURA, CA 93004-2338
Document Number	0000091363
Instrument Date	Jul 29, 2019
Instrument	91363
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 GARDNER AVE VENTURA CA 930042338, VENTURA, CA 93004-2338

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	VENTURA CA
Recording Date	Aug 9, 2019
Property Address	978 GARDNER AVE, VENTURA, CA 93004-2338
Document Number	0000091364
Map Reference	MB 43 PG 88&89
Instrument Date	Jul 15, 2019
Instrument	20190809-00091364
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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	978 GARDNER AVE, VENTURA, CA 93004-2338

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Ventura County
Municipality	San Buenaventura (Ventura) City
Unified School District	Ventura Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$668,193 (+2%) Land $434,494 Building $233,699
2025	$7,190.00 (+1.83%)	$655,092 (+4.04%) Land $425,975 Building $229,117
2024	$7,061.00 (+1.13%)
2023	$6,982.00 (+7.61%)	$629,655 Land $409,434 Building $220,221
2022	$6,488.00

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 minimal risk
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	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	VENTURA WATER DEPARTMENT serves 112,285 people · EPA ID CA5610017
Water Source	Surface water
Last State Inspection	Sep 2023
Also Mapped Here	UNITED WTR CONS DIST
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018
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 813 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

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

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