1230 Mandalay Beach Road
Oxnard, CA, 93035
$2,295,000
MLS: V1-31864
Beds
3
Baths
3
Sq Ft
3,056
Lot
0.09 ac
Year Built
1981
MLS #
V1-31864
Days on Market
241
Listed
Aug 20, 2025
Description
This fabulous beach home offers over 3,000 sq ft of beautifully maintained living space, featuring a unique floor plan ideal for multi-generational living, roommates, or hosting guests. The upper level includes a spacious primary suite with a beautifully remodeled bathroom and walk-in closet, a gourmet kitchen, an elegant dining room, and a large living room with a cozy fireplace and stunning ocean views from both the living room and the decks. Multiple decks extend from the dining room, living room, and primary bedroom, creating seamless indoor-outdoor living. Downstairs, you'll find two generously sized bedrooms, a welcoming family room with its own fireplace, and a wet bar area perfect for entertaining. The home also features a great yard with a tranquil koi pond, newer windows throughout, fresh interior and exterior paint, newer hardwood flooring upstairs and on the stairwell, and stonelike walkways, and garage doors. The 3-car garage includes one bay currently converted into a home office. Located just steps from the beach, this home offers the perfect blend of comfort, flexibility, and coastal charm.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Monica Payer · Real Brokerage Technologies
Payment estimate
$16,242
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $229,500 · Loan: $2,065,500
- Principal & Interest
- $12,691
- Property tax (1.25%)
- $2,391
- Homeowners insurance
- $300
- Mortgage insurance
- $861
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 Oxnard home with as little as 3.5% down using an FHA loan — roughly $80,325 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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