2941 Surfrider Avenue
Ventura, CA, 93001
$2,995,000
MLS: V1-35320
Beds
5
Baths
3
Sq Ft
2,828
Lot
0.10 ac
Year Built
1965
MLS #
V1-35320
Days on Market
20
Listed
Mar 21, 2026
Description
ACCEPTING BACKUP OFFERS. Set along one of the most desirable streets and channels within the Ventura Keys, this west-facing 'Keys Island' waterfront residence offers a rare expression of coastal California living. From sunrise to sunset, the home is immersed in the natural beauty, sights, and sounds of its surroundings. Gentle channel waters reflect shifting light throughout the day, while ocean breezes create an atmosphere of tranquility, peace, and joy. Thoughtfully designed for both intimate living and effortless entertaining, the interiors unfold with warmth and intention. A fireside kitchen with an inviting seating area becomes the heart of the home--where conversations linger, and meals are prepared--while the adjacent dining and living spaces open seamlessly to the waterfront, blurring the line between indoors and out. Step out to the waterfront deck for al fresco dining along the channel, and when the evenings cool down, enjoy a second fireplace in the living room for a warm and relaxing ending to your day. Upstairs, the stunning primary suite serves as a peaceful retreat, complete with a private deck perfectly positioned to view the captivating wildlife and capture breathtaking sunsets. The expansive great room offers exceptional flexibility--ideal as a fifth bedroom, media room, game room, music lounge, or private fitness space--tailored to fit your lifestyle. The private dock extends your living space onto the water, accommodating boats, kayaks, or electric Duffies for effortless cruising through the channels and over to the Ventura Harbor. During the holidays, enjoy the views of decorated waterfront homes as well as boats participating in the Parade of lights. This close-knit enclave embodies the true sense of community for young and old alike. And this stunning home is an exceptional offering defined by its unparalleled setting, lifestyle, and close proximity to all this beautiful coastal community has to offer!
Location
Ventura, Ventura County, CA 93001
Open on Google Maps ↗Listed by: Aaron Gaston · LIV Sotheby's International
Payment estimate
$21,105
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $299,500 · Loan: $2,695,500
- Principal & Interest
- $16,562
- Property tax (1.25%)
- $3,120
- Homeowners insurance
- $300
- Mortgage insurance
- $1,123
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 Ventura home with as little as 3.5% down using an FHA loan — roughly $104,825 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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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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