3960 W Hemlock Street
Oxnard, CA, 93035
$2,399,000
MLS: V1-34744
Beds
4
Baths
3
Sq Ft
2,700
Lot
0.09 ac
Year Built
1978
MLS #
V1-34744
Days on Market
63
Listed
Feb 19, 2026
Description
Luxury Waterfront Living in Mandalay Bay - South-Facing with Private Dock & Designer Finishes Welcome to 3960 W Hemlock St - a rare opportunity to own a highly sought-after, south-facing waterfront home in the heart of Mandalay Bay. This beautifully updated 4-bedroom, 3-bathroom single-family residence offers 2,700 sq ft of upscale coastal living, complete with a 40' private dock easement right outside your door - perfect for boaters and water lovers alike. Step inside to find a stunning, move-in ready interior, recently renovated from top to bottom with high-end finishes, designer lighting, fresh paint inside and out (including deck and dock), and brand-new ZLINE stainless steel appliances in a gourmet chef's kitchen. Ideal for entertaining, the open-concept layout features spacious living areas filled with natural light and harbor views throughout. On the main floor, you'll find a rare first-floor bedroom and full bath - ideal for guests, in-laws, or a home office. Upstairs, the primary suite is a true retreat, boasting serene water views, a large glass-paneled balcony, and a luxurious ensuite bathroom. Two additional generously sized bedrooms and a full bath complete the upper level. Enjoy modern comfort with central A/C - a rare and valuable upgrade in the area. Whether you're relaxing on your private deck, watching boats glide by, or hosting sunset cocktails, this home epitomizes the laid-back luxury of coastal California living. Located in the Channel Islands Harbor, you're just minutes from the #1 rated beach in California, local dining, water activities, yacht clubs, and shops - all while being an hour from Los Angeles and 30 minutes from Santa Barbara. What truly sets this home apart? There is NO MELLO-ROOS and an ultra-low OPTIONAL HOA. The Channel Islands Waterfront Homeowners Association (CIWHA - channelislandsca.com) is $50 annually, there is a $75 transfer fee and approximately $600 annual waterways assessment. Buyers to independently verify the accuracy of all information. Don't miss your chance to live the harbor lifestyle you've always dreamed of. Schedule your private showing today. Buyers to independently verify the accuracy of all information
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Garry Eberhardt · KellerWilliamsWestVenturaCount
Payment estimate
$16,964
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $239,900 · Loan: $2,159,100
- Principal & Interest
- $13,266
- Property tax (1.25%)
- $2,499
- Homeowners insurance
- $300
- Mortgage insurance
- $900
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 $83,965 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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