2014 Napoli Drive
Oxnard, CA, 93035
$2,195,000
MLS: 226000414
Beds
3
Baths
4
Sq Ft
2,865
Lot
0.09 ac
Year Built
1974
MLS #
226000414
Days on Market
84
Listed
Jan 27, 2026
Description
Fully furnished and turnkey, this waterfront residence is set on a rare corner lot with water on two sides and only one neighboring property. The added openness and natural light create a setting designed for true waterfront living. The end dock is positioned for easy departure and return, without the tight navigation often found between interior slips. From here, boating feels natural and effortless, with a clean run through the channel and direct access to the Channel Islands National Park for fishing, island cruising, and weekends on the water.The main living level is remodeled, bright, and welcoming, with a cozy fireplace, two large glass sliding doors, and oversized windows that provide expansive water views from multiple angles. It is equally suited to quiet mornings or relaxed evenings with guests.High vaulted ceilings, skylights, and expansive windows capture light, sky, and the gentle rhythm of the harbor. The great room flows naturally to a generous deck overlooking the channel, creating seamless indoor outdoor living designed for everyday enjoyment and entertaining.The remodeled kitchen is thoughtfully appointed with granite counters, stainless steel appliances, and a clean, timeless finish that works beautifully for both gatherings and daily use. A flexible loft adds space for a home office, reading area, or additional guest accommodations.Downstairs offers complete flexibility! Two bedrooms, each with a full bath, a sleek kitchenette, and a spacious family room that opens directly to a waterside patio and the dock. With its own private entrance, this level functions as a fully separate living space. It is exceptionally versatile, whether for multigenerational living, extended guests, a caretaker arrangement, or staging dockside gatherings.Outside, the private 30 foot dock with a 40 foot easement supports real boating life, from paddleboarding and kayaking to harbor cruising and island weekends. The primary bedroom deck is designed for quiet moments, sunset light, and morning coffee while watching boats pass by.When staying on land, the lifestyle remains just as appealing. Step outside and connect directly to the Harbor Island Trail, a five-mile scenic waterfront path linking the harbor to local dining, cafes, and boutique shops. It provides convenient access throughout the area, enhancing the Channel Islands Harbor experience and seamlessly blending boating life with a relaxed coastal setting.Positioned between Malibu and Santa Barbara, Mandalay Bay remains one of the smartest waterfront values on the Southern California coast. This is a home that combines joy, flexibility, and function in a way that buyers immediately understand the moment they step inside.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Holbrook Realty Group · Keller Williams Westlake Village
Payment estimate
$15,547
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $219,500 · Loan: $1,975,500
- Principal & Interest
- $12,138
- Property tax (1.25%)
- $2,286
- Homeowners insurance
- $300
- Mortgage insurance
- $823
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 $76,825 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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