166 N Garden Street
Ventura, CA, 93001
$1,000,000
MLS: V1-37044
Beds
3
Baths
3
Sq Ft
1,812
Lot
0.07 ac
Year Built
1946
MLS #
V1-37044
Days on Market
1
Listed
Jun 17, 2026
Description
Gorgeous, one-of-a-kind 3BR/2.5BA historic church converted into a comfortable, industrial, artistic home. Ideally situated just moments from Ventura's beautiful Beach coastline and the vibrant charm of Historic Downtown Main Street. Step into a dramatic open-concept great room where soaring vaulted ceilings, exposed truss beams, and rich hardwood flooring create a striking blend of industrial character and modern comfort. . Designer-inspired lighting fixtures, open sightlines with generous gathering areas make this an ideal space for entertaining or relaxing in style.The remodeled kitchen combines contemporary finishes with timeless design, featuring crisp shaker-style cabinetry, sleek quartz countertops, high end stainless steel appliances, under-cabinet accent lighting, and a spacious peninsula with bar seating. Dark stone-look flooring provides contrast and durability, while abundant cabinetry and workspace make this kitchen as functional as it is attractive. Enjoy the open connection to the main living, expanded dining area or decide to step out onto the patio table to savor your meal in the sun. Allows for effortless entertaining and everyday living.*** 3.5% VA ASSUMABLE loan - current loan balance approx 618,800 (originated 8/2020) - PITI currently 3942.30 (3154.85/mo P&I)*** Seller may consider a small second with a balloon payment ** If you are looking for a location offers the perfect blend of beachside living and urban convenience, you found it.
Location
Ventura, Ventura County, CA 93001
Open on Google Maps ↗Listed by: Harold Powell · RE/MAX Gold Coast REALTORS
Payment estimate
$7,388
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $100,000 · Loan: $900,000
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,671
- Property tax (1.25%)
- $1,042
- Homeowners insurance
- $300
- Mortgage insurance
- $375
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Jun 18, 2026
- 30-year fixed
- 6.47%
- 15-year fixed
- 5.81%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Ventura home with as little as 3.5% down using an FHA loan — roughly $35,000 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
Assumable Loan — Lock In a Below-Market Rate＋
This Ventura property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Ventura, CA 93001 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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