190 Lucero Street
Thousand Oaks, CA, 91360
$995,000
MLS: OC25262131
Beds
3
Baths
2
Sq Ft
1,857
Lot
0.24 ac
Year Built
1966
MLS #
OC25262131
Days on Market
127
Listed
Nov 18, 2025
Description
Rare opportunity — Lucero Street home in quiet, family-friendly neighborhood in one of the safest cities in the country, moments away from top-ranked schools. Impressive curb appeal, with curved driveway and lighted pillars to accommodate multiple vehicles. Three-bedroom, two-bathroom ranch home. Open floor plan with family room and large living room. Massive master bedroom with wall of his-and-her closets has enough space to create fourth bedroom (as in other models of this home). New porcelain kitchen counters and stainless steel appliances. Working brick-front fireplace for the winter and central air for the summer. Two-car garage with storage closet. Low-maintenance front and back yards with hillside perfect for creating a terraced garden. Thirty-foot palm trees in back. Located just minutes from wonderful parks, Cal Lutheran University (with its huge public swimming pool), and great shopping. Families keep their homes on Lucero Street for decades, so this is one you've been waiting for!
Location
Thousand Oaks, Ventura County, CA 91360
Open on Google Maps ↗Listed by: Emmett Dalton · Dalton Real Estate
Payment estimate
$7,212
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $99,500 · Loan: $895,500
- Principal & Interest
- $5,502
- Property tax (1.25%)
- $1,036
- Homeowners insurance
- $300
- Mortgage insurance
- $373
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Thousand Oaks home with as little as 3.5% down using an FHA loan — roughly $34,825 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.
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