home in Ventura, CA
A home in Ventura, CA, it offers 4 bedrooms and 3 bathrooms across 2,237 square feet.
| Price | $954,900 |
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| Beds | 4 |
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| Baths | 3 |
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| Sqft | 2237 |
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| Address | 641 Saratoga Ave, Ventura, CA 93003 |
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Why buy this home
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced below comparable homes.
- On the market 169 days, which is a long time; sellers are often flexible at this point.
Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $6,540/month with 20% down at a 7.28% 30-year fixed rate. You would need about $280,278 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $5,227/mo |
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| Property tax (new-buyer reassessed rate) | $955/mo |
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| Homeowners insurance | $358/mo |
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| Total monthly | $6,540/mo |
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| Down payment (20%) | $190,980 |
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| Income needed | $280,278/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C+ (62 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C+ (62/100) |
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| Beats renting in | 13% of modeled paths |
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| Modeled 5-yr equity (median) | $457,511 |
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| Range (10th to 90th pct) | $267,680 to $686,792 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward US where local data is thin.
Local home values
Typical home values in United States have risen about 20% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the national market, not this specific home.
View this home on Zillow