75 N Santa Rosa Street
Ventura, CA, 93001
$809,000
MLS: V1-35549
Beds
2
Baths
1
Sq Ft
811
Lot
0.09 ac
Year Built
1939
MLS #
V1-35549
Days on Market
6
Listed
Apr 2, 2026
Description
Welcome to this absolutely charming Midtown Ventura cottage, where timeless character meets coastal convenience. Built in 1939, this beautifully refreshed 2-bedroom, 1-bath home offers 811 square feet of thoughtfully designed living space filled with warmth and personality.Step inside to discover freshly painted interiors, rich wood flooring, and classic architectural details, including archways that add to the home's vintage appeal. Natural light pours in, creating a bright and inviting atmosphere throughout. Enjoy peaceful mountain views that bring a sense of calm and connection to nature.Situated on a private lot, the home features a spacious yard perfect for relaxing, entertaining, or gardening, along with a detached 2-car garage offering added flexibility, parking and storage.Ideally located in the heart of desirable Midtown Ventura, this home places you just moments from local beaches, vibrant downtown Ventura, popular coffee shops, favorite local bakeries, and a wide variety of restaurants. Whether you're enjoying a morning stroll for coffee or catching a sunset by the ocean, this location offers the best of coastal living.Full of charm and ideally situated, this delightful cottage is a rare opportunity to own a piece of Ventura's character-filled history.
Location
Ventura, Ventura County, CA 93001
Open on Google Maps ↗Listed by: Bridget Goncalves · Joe Kapp Real Estate, Inc
Payment estimate
$5,920
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $80,900 · Loan: $728,100
- Principal & Interest
- $4,474
- Property tax (1.25%)
- $843
- Homeowners insurance
- $300
- Mortgage insurance
- $303
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 Ventura home with as little as 3.5% down using an FHA loan — roughly $28,315 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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