78 Poinsettia Gardens Drive
Ventura, CA, 93004
$495,000
MLS: V1-32263
Beds
2
Baths
2
Sq Ft
1,440
Lot
0.09 ac
Year Built
1987
MLS #
V1-32263
Days on Market
148
Listed
Sep 22, 2025
Description
30K Price Reduction!Beautiful NEW Stainless-Steel Kitchen Appliances have been installed!! An absolute must see, especially if you have not previously visited this wonderful property!!If you have.... then you definitely need to return to see how wonderful the new appliances, flooring, and fresh paint complement each other, giving the home a tasteful soft modern update. The new homeowner has a great foundation to build-on, you can't help but bring your inner stylist's persona to ultimately express your unique design style. Located behind the gates in the 55+ Community of Poinsettia Gardens. Just minutes from the 126 Freeway for easy access but it feels like the countryside is yours. With 1440 square feet this 2/2 features an open floorplan with loads of storage. The extra-large patio makes entertaining a breeze. Vaulted ceilings allow all the beautiful East Ventura sun in to keep it bright and cheerful.You not only have a spacious 2 car garage, but an additional carport for more coverage.This home has been in the same family from day 1 and lovingly cared for.The community features a beautiful clubhouse with enclosed pool and spa to enjoy year round. With RV parking, you can store your motorhome close by and leave for a fun trip at anytime you feel like traveling at moment's notice.When you are ready to take the step into your next chapter in life...this is the home for you.
Location
Ventura, Ventura County, CA 93004
Open on Google Maps ↗Listed by: Becky Duarte · Premier Options
Payment estimate
$3,738
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,500 · Loan: $445,500
- Principal & Interest
- $2,737
- Property tax (1.25%)
- $516
- Homeowners insurance
- $300
- Mortgage insurance
- $186
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 $17,325 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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