Homes for Sale in Pepper Tree, Ventura

Peppertree at a glance

• Where it sits: Peppertree condos in Ventura appear on County records at 1300 Saratoga Avenue, ZIP 93003, inside city limits. The complex lines Saratoga Avenue between Telephone Road and Ralston Street.
• A second name on the paperwork: HUD’s FHA condo list files 1300 Saratoga Avenue as Turtle Creek Condominium, with Turtle Creek Condominium Association, Inc. as the HOA. Order HOA documents and search title records under both names.
• Three pools to budget for: Ventura County’s 2024 recreational health facility list carries three swimming pool permits for Peppertree Condos, so look for the pools among the major components in the reserve study.

FHA buyers: check the unit first

HUD’s list shows no project approval at 1300 Saratoga Avenue. Its one record there is registered for single-unit approval processing, notes an FHA concentration limit of 10 percent and carries a rejected status dated September 4, 2024. As of 2026, single-unit approval is the only FHA route in a project without approval, and it needs a complete project of at least five units. Have your lender check the unit before you offer. See FHA loans in Ventura County, or compare Buenaventura Gardens and other Ventura condos for sale.

Peppertree questions, answered

What leasing limits could apply at Peppertree?

As of 2026, California makes HOA rules that prohibit or unreasonably restrict leasing unenforceable, and any rental cap must leave room for at least a quarter of the units. Short stays of 30 days or less can still be barred by the CC&Rs. Your seller must hand over the governing documents plus a statement of any rental prohibition; check both for a cap and ask the HOA how many units are leased. Before leasing, you give the HOA your title date and the tenant’s name and contact information.

What tells me whether the HOA reserves are healthy?

Start with the Assessment and Reserve Funding Disclosure Summary, which as of 2026 must accompany each annual budget report. It gives the regular assessment, special assessments already approved, the percent funded and whether projected reserves cover major components for the next 30 years. When those components are worth at least half the yearly budget, a reserve study backed by a visual inspection is due at least once every three years, with a board review each year, and it must count any gas, water and electrical lines the HOA has to repair. To widen the search, see Ventura homes for sale.