1808 Emerald Isle Way
Oxnard, CA, 93035
$1,299,000
Original list price: $1,335,000
MLS: V1-37450
Beds
2
Baths
2
Sq Ft
2,164
Lot
—
Year Built
1992
MLS #
V1-37450
Days on Market
35
Listed
Jul 8, 2026
Description
Welcome to this exceptional penthouse-style waterfront residence in the prestigious gated community of Harbour Island. Professionally decorated and beautifully upgraded, this third-floor home offers breathtaking harbor views, spectacular sunsets, and effortless coastal living.Accessed by a semi-private elevator, the residence features soaring cathedral ceilings, abundant natural light, and an open-concept floor plan designed to capture stunning water views from the living room, dining room, kitchen, and primary suite. The spacious living room opens to a large waterfront balcony--perfect for morning coffee, sunset entertaining, or watching boats cruise through Channel Islands Harbor.The beautifully upgraded kitchen features a dramatic double-step tray ceiling with crown molding and flows seamlessly into the dining area, where double doors open to the waterfront balcony for exceptional indoor-outdoor living. Both bathrooms have been tastefully remodeled with quality finishes.The waterfront primary suite offers vaulted ceilings, panoramic harbor views, generous closet space, and a spa-inspired bath. A guest bedroom provides comfortable accommodations, while the versatile den includes a built-in queen Murphy bed, making it an ideal home office or optional third bedroom.Additional features include an indoor laundry room and an attached two-car garage with extensive custom built-in cabinetry for outstanding storage.Residents of Harbour Island enjoy resort-style amenities including a pool, spa, beautifully landscaped waterfront walking paths, and boat slip opportunities (subject to HOA availability). Ideally located just moments from beaches, marinas, yacht clubs, waterfront dining, and Channel Islands Harbor, this is a rare opportunity to experience luxury waterfront living in one of Oxnard's most desirable communities.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Ann Howarth · RE/MAX Gold Coast-Beach Office
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$10,983
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $129,900 · Loan: $1,169,100
Average 30-yr fixed rate 6.69% as of Aug 6, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $7,536
- Property tax (1.25%)
- $1,353
- Homeowners insurance
- $300
- Mortgage insurance
- $487
- HOA dues
- $1,307
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 Aug 6, 2026
- 30-year fixed
- 6.69%
- 15-year fixed
- 6.01%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $45,465 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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Local Market Stats
See Oxnard, CA 93035 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
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