164 Harding Avenue
Oxnard, CA, 93030
$639,000
MLS: V1-35567
Beds
3
Baths
1
Sq Ft
1,008
Lot
0.09 ac
Year Built
1950
MLS #
V1-35567
Days on Market
3
Listed
Apr 13, 2026
Description
Available for the first time in its history, 164 Harding Ave presents a unique opportunity to own a cherished Oxnard home. This 3-bedroom, 1-bath residence offers 1,008 square feet of living space on a 3,920 square foot lot and is ready for its next chapter.Filled with warmth and potential, the home offers a comfortable layout with inviting living spaces and natural light throughout. Whether you're looking to preserve its charm or bring your own modern updates, this property provides the perfect canvas.Ideally located near freeway access, shopping, dining, and schools, the home combines everyday convenience with long-term value. Properties like this--held and cared for over time--rarely come to market, making this an exceptional opportunity for the next owner.
Location
Oxnard, Ventura County, CA 93030
Open on Google Maps ↗Listed by: Saul Aguilar · RE/MAX Gold Coast REALTORS
Payment estimate
$4,739
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $63,900 · Loan: $575,100
- Principal & Interest
- $3,534
- Property tax (1.25%)
- $666
- Homeowners insurance
- $300
- Mortgage insurance
- $240
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 $22,365 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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