2504 Monaco Drive
Oxnard, CA, 93035
$2,100,000
Original list price: $2,295,000
MLS: GD26097830
Beds
4
Baths
3
Sq Ft
2,840
Lot
0.10 ac
Year Built
1978
MLS #
GD26097830
Days on Market
110
Listed
May 5, 2026
Description
This upgraded, detached waterfront home with the marine lifestyle awaits you. There are no homeowners association fees or mello-roos taxes, and you own your own dock. The 40-foot boat dock easement has kayak and paddle board racks ready for you to enjoy. The property is two stories and has four bedrooms and three bathrooms. The first floor consists of one bedroom with an upgraded bathroom, a remodeled kitchen with upgraded appliances and a pantry, a living room with an electric fireplace and recessed lights, a formal dining room with lots of natural light, and a bar with a wine cooler. The second floor consists of three bedrooms and two bathrooms including the master bedroom which has a custom shower, a fireplace, raised ceilings, a third-level loft with built-ins, a private patio and beautiful water views. There is also a huge entertainment room on the second floor with a pool table and a patio. There are two additional patios with views, an enclosed yard with a pergola, and a backyard perfect for fireworks displays. This is California coastal living at its finest where you can boat to the Channel Islands. 2020 electric Duffy boat included in the sale. Cruise the harbor on Day 1!
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: David Stevenson · Stevenson Real Estate Services
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
$15,408
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $210,000 · Loan: $1,890,000
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $12,133
- Property tax (1.25%)
- $2,188
- Homeowners insurance
- $300
- Mortgage insurance
- $788
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 20, 2026
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
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 $73,500 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
Only large teams outsell Mike Watson · Keller Williams Realty
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