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95 Main St, Piru, CA, 93040

4beds
3baths
2,102sqft
$600,000
$285price/sqft
$4,107/moest. monthly cost
$164,280/yrincome needed

About This Home

Welcome to Finch Ranch, located in Ventura County's Piru. With the charm of the local Piru neighborhood and the celebration of culture, authenticity, and community. This 2,102 square foot 4-bedroom, 3-bathroom home with attached two car garage is perfect for those looking for a newer build home in a great area. As you enter the home, you will notice tall ceilings throughout, which make the home feel lighter, brighter, and even more spacious. The kitchen boasts a huge pantry and plenty of cabinet and storage space for all your kitchen appliances. There is an abundance of space for an eat-in kitchen table or breakfast bar along the kitchen island. To the right of the front entrance, there is a spacious living area with an adjoining formal dining area that flows into a private fenced-in backyard area. The first floor offers one large bedroom and bathroom perfect for family or guests whom like a private room and area to stay in while visiting. Upstairs there is a Laundry room with plenty of room for storage or cabinetry. As you move along the second-floor hallway, there is room for a possible linen closet, desk area or storage area. Continuing down the hallway, there are two generously sized bedrooms that share a dual-entry en suite full bathroom between them. The Primary suite is at the end of the hallway with an en-suite bathroom and walk-in closet. The home offers all-electric and solar powered home. Make this house your home today.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
Piru Elementary SchoolGrades K-50.7 mi
3/10
Fillmore Middle SchoolGrades 6-87.2 mi
6/10

Construction

Condition

  • Year built: 2024

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: Inside,Laundry Room,Upper Level

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Bedroom on Main Level
  • Fireplace features: None
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,High Efficiency

Interior Area

  • Total interior livable area: 2,102 sqft

Property

Details

  • Parcel number: 0560300045
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Front Door
  • Pool features: None
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 1,096 sqft
  • Features: Zero Lot Line

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Wildfire
Earthquake
Inland Flooding
Landslide
Drought

FEMA Declared Disasters in Ventura County and California

Earthquake
Fire
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,033$36,396
Home Insurance *$279$3,348
Property Taxes $345$4,140
Electricity $450$5,408
Total$4,107$49,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,811/yr
40% on housing$123,210/yr
45% on housing$109,520/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 93040$2,902
Ventura County$554

vs Homes Sold Last Month

Median $/sqft

ZIP 93040$440
Ventura County$515

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-15Listed for sale$600,000
2024-11-15Sold$488,985
2024-08-22Pending sale$488,985
2024-07-07Listed for sale$488,985

For Sale by Agent

AgentBerto Matta
BrokerageRealty ONE Group Summit

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