2884 Surfrider Avenue
Ventura, CA, 93001
$1,895,000
Original list price: $1,949,000
MLS: V1-38640
Beds
4
Baths
4
Sq Ft
2,153
Lot
0.12 ac
Year Built
1965
MLS #
V1-38640
Days on Market
39
Listed
Sep 9, 2026
Description
Location, location, location! Welcome to Ventura Keys Island and this charming, Cape Cod-inspired home, ideally situated near the beloved 'Little Beach.'Featuring 4 bedrooms and 3.5 bathrooms, this beach-inspired residence offers a flexible and inviting floor plan with two ensuite bedrooms--one on each level. The first-floor ensuite provides excellent flexibility for guests, family, or those seeking single-level living, while the spacious upstairs primary ensuite offers a private retreat.The welcoming vaulted entryway creates an impressive first impression. The home has been recently painted and features new LVP flooring throughout the first level. Multiple dining areas and two kitchen peninsulas with breakfast bars provide plenty of space for everyday living and entertaining. Updated milgard windows and patio door bring an abundance of light while two fireplaces add warmth and character throughout the homeOutside, tall privacy hedges create a secluded and inviting backyard, offering a wonderful setting to relax, dine al fresco, entertain, or simply enjoy your own lush outdoor space.Lovingly owned by the same family for the past 30 years, this special home presents a rare opportunity to become part of one of Ventura's most sought-after coastal communities. Four-bedroom inboard homes on the island, especially in this location, rarely come available. Don't miss the opportunity to make this exceptional Ventura Keys property your own.
Location
Ventura, Ventura County, CA 93001
Open on Google Maps ↗Listed by: Sean O'Toole · LIV Sotheby's International Realty
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
$14,814
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $189,500 · Loan: $1,705,500
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $11,809
- Property tax (1.25%)
- $1,974
- Homeowners insurance
- $300
- Mortgage insurance
- $711
- HOA dues
- $21
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Ventura home with as little as 3.5% down using an FHA loan — roughly $66,325 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 Ventura, CA 93001 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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