2825 Panama Drive
Oxnard, CA, 93035
$1,275,000
MLS: 226001703
Beds
3
Baths
3
Sq Ft
2,166
Lot
0.05 ac
Year Built
1987
MLS #
226001703
Days on Market
5
Listed
Apr 16, 2026
Description
Just blocks from the sand, this lovingly maintained 3-bedroom, 3-bath, tri-level home offers the perfect blend of coastal lifestyle and modern comfort. The sought-after, corner location creates a sense of space and lets in loads of natural light. Measuring over 2100 square feet, this can easily be your full-time residence, an amazing second home for weekends at the beach or an awesome investment property. So many possibilities! The first-floor bedroom suite has a separate entrance offering potential for a guest suite, private office, or an income earning ADU. The thoughtfully updated interior showcases a stunningly remodeled kitchen and breakfast space with custom cabinetry, Cambria quartz countertops with beveled edge, stainless steel appliances, subway tile backsplash and stylish, gold accents. It's the perfect marriage of form and function! The second level is rounded out with a formal dining room, a cozy sitting area and a spacious bedroom with a private balcony and ensuite bath. Let's keep going ... the upper floor does not disappoint! Here you'll find a gracious family room with plenty of space to entertain and a charming balcony with a peek-a-boo view of Channel Islands Harbor. This third level also provides an enormous primary suite, complete with both walk-in and reach-in closets, a sitting area and a private bath. Additional upgrades include: dual paned windows and doors, newer exterior paint (2018), newer vinyl fencing and balcony railings (2018), newer roof and rain gutters (2018), newer heating units (2022 & 2026) and newer stainless steel chimney cap (2025). There's also potential for a rooftop patio, which would afford views of the sparkling harbor and spectacular sunsets. Ideally located in Silver Strand, you'll enjoy easy access to sandy beaches, waterside dining and multiple marinas. This is one of the most affordable beach communities in California. Truly a rare find!
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Dore Baker · The ONE Luxury Properties
Payment estimate
$9,157
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $127,500 · Loan: $1,147,500
- Principal & Interest
- $7,050
- Property tax (1.25%)
- $1,328
- Homeowners insurance
- $300
- Mortgage insurance
- $478
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 $44,625 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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