Luxury Homes for Sale in Camarillo

Camarillo luxury homes at a glance

• Sorted by price, not neighborhood: Camarillo luxury homes for sale here are the city’s highest-priced listings. Some Camarillo addresses are unincorporated County land, where the County issues permits.
• Spanish Hills custom homes: In Spanish Hills, 97% of the main tract’s 139 custom houses sit on an acre or more, most built 1995 to 1999, with a median near 4,800 square feet of living space.
• Las Posas Estates and Sterling Hills: Las Posas Estates, largely County land, has custom homes mostly from the 1960s to 1980s on lots near 34,000 square feet at the median. Sterling Hills homes, some gated, ring a public 18-hole golf course.
• Santa Rosa Valley acreage: This unincorporated valley uses Camarillo 93012 addresses, and its median house lot is about 1.2 acres. Compare ZIP 93012 homes for sale.

Financing and the appraisal

FHFA puts Ventura County’s 2026 one-unit conforming loan limit at $1,035,000. It caps the loan, not the price. Borrow more and you need a jumbo loan; as of 2026, rules vary by lender and usually require good credit and a high down payment. See jumbo loans in Ventura County.

Custom homes on large lots have few close matches. Fannie Mae’s Selling Guide, as of 2026, asks for at least three closed comparable sales and accepts older or more distant ones, explained, when recent ones are scarce; jumbo lenders set their own standards. Your lender must deliver each appraisal at least three business days before closing unless you waive that; plan how you would cover a shortfall.

Camarillo luxury home questions, answered

Which areas are in a fire hazard zone?

On CAL FIRE’s maps, Spanish Hills and Sterling Hills homes are outside any zone. Every Santa Rosa Valley home and some on eastern Las Posas Estates streets are in High or Very High zones, where sellers must document defensible space. Get insurance quotes early; if carriers decline, the California FAIR Plan offers basic fire coverage.

Is there a special tax in Spanish Hills?

Yes. Nearly every home there owes $848.98 for fiscal 2025/26 to the City’s Community Facilities District No. 1, with bond payments scheduled through September 2032. The seller must disclose it before you sign.

What should I check on County acreage?

Ask whether the home uses septic or a private well; most homes on the County streets of Las Posas Estates sit outside the sanitary district. The County’s Groundwater Section keeps well permits and historic well logs.

Are there geologic disclosures?

State seismic hazard maps place seven Spanish Hills custom homes in an earthquake-induced landslide zone and eight in a liquefaction zone; read the Natural Hazard Disclosure early. Compare all Camarillo homes for sale.