641 Saratoga Avenue
Ventura, CA, 93003
(No pictures available yet)
$985,000
MLS: V1-36011
Beds
4
Baths
3
Sq Ft
2,237
Lot
0.09 ac
Year Built
2001
MLS #
V1-36011
Days on Market
18
Listed
Apr 25, 2026
Description
Welcome to this 4-bedroom, 2.5-bath home in the tranquil Legacy neighborhood of Ventura. Offering 2,231 square feet of living space, this home features an open-concept floor plan filled with natural light. The main level includes a living room, a cozy family room, separate dining room, half bath, and a spacious kitchen with a large island and its own dining nook.Upstairs, you'll find the primary suite with a walk-in closet, a bathroom featuring dual sinks, a separate soaking tub, and a shower. Three additional bedrooms, a full bath, and a convenient laundry room complete the upper level.Enjoy the nicely landscaped, private backyard with a patio--perfect for relaxing or entertaining. Linear Park is just 2 blocks away. Greenbelt walkways lead directly to Government center and Kimball Park. Shopping, coffee shops, and restaurants are all within a few blocks.
Location
Ventura, Ventura County, CA 93003
Open on Google Maps ↗Listed by: Doug Needham · Coastal View Property
Payment estimate
$7,223
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $98,500 · Loan: $886,500
- Principal & Interest
- $5,528
- Property tax (1.25%)
- $1,026
- Homeowners insurance
- $300
- Mortgage insurance
- $369
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 May 7, 2026
- 30-year fixed
- 6.37%
- 15-year fixed
- 5.72%
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 $34,475 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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Local Market Stats
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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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