137 Santa Monica Avenue
Oxnard, CA, 93035
$1,450,000
MLS: V1-34052
Beds
3
Baths
2
Sq Ft
1,626
Lot
0.05 ac
Year Built
1975
MLS #
V1-34052
Days on Market
16
Listed
Jan 13, 2026
Description
STEPS TO THE BEACH! Ideally located on one of Silver Strand's most desirable ocean-view streets, this coastal home captures the true essence of beach living.The first level offers a versatile living space with its own living room, one spacious bedroom, a playroom or office that can easily function as a fourth bedroom, a bathroom, and a separate entrance--perfect for guest quarters or multi-generational living.Upstairs, an oversized balcony provides the ideal setting to enjoy the beach community--check the waves, relax with a book, or take in stunning sunsets. Inside, windows galore fill the home with natural light and enhance the beach living experience. Open wood-beam ceilings and a generously sized living room create a warm, inviting space for family time, entertaining, or relaxing. The kitchen overlooks the dining area and deck, offering an excellent open layout ideal for entertaining.This is one of the only streets on the Strand featuring a rare 30-foot easement, allowing for spectacular views and a more open coastal feel. The primary bedroom is spacious and light-filled, complete with a nicely sized walk-in closet and abundant windows. The guest bedroom also features a walk-in closet and excellent natural light.The oversized garage provides ample storage for surfboards, beach chairs, kayaks, and more, while the large driveway offers plenty of parking for guests. Currently operating as a short-term rental, this home presents a fantastic opportunity for personal enjoyment, investment, or both.A must-see beach retreat--come experience the Silver Strand lifestyle at its best. Home comes fully furnished, minus a few personal items, ready for someone to use the day we close escrow. No HOA.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Ann Howarth · RE/MAX Gold Coast-Beach Office
Payment estimate
$10,372
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $145,000 · Loan: $1,305,000
- Principal & Interest
- $8,018
- Property tax (1.25%)
- $1,510
- Homeowners insurance
- $300
- Mortgage insurance
- $544
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 $50,750 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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