3960 W Hemlock Street
Oxnard, CA, 93035
$2,249,000
MLS: V1-37346
Beds
4
Baths
3
Sq Ft
2,700
Lot
0.09 ac
Year Built
1978
MLS #
V1-37346
Days on Market
36
Listed
Jul 3, 2026
Description
Where coastal luxury meets waterfront living. Perfectly positioned on one of Mandalay Bay's coveted south-facing channels, this beautifully remodeled waterfront home offers 2,700 square feet of living space, a private 40-foot dock easement, and an incredible opportunity to experience life on the Channel Islands Harbor.A welcoming front walkway, manicured landscaping, and fresh exterior paint create inviting curb appeal. Inside, luxury vinyl plank flooring spans the main level, where oversized windows fill the living room with natural light. A dramatic floor-to-ceiling brick fireplace and exposed wood beam ceiling create a warm focal point, while the open-concept layout seamlessly connects the living, dining, and kitchen areas. The remodeled kitchen is designed for both entertaining and everyday living, featuring an impressive quartz waterfall island, premium ZLINE stainless steel appliances, farmhouse apron sink, pot filler, custom range hood, and abundant cabinetry. Rarely found in Mandalay Bay, the first-floor bedroom sits adjacent to a remodeled full bathroom with a rain shower, ideal for multigenerational living, overnight guests, or single-level living. The attached two-car garage includes built-in storage cabinets and laundry. Upstairs, a skylight fills the hallway with natural light while soaring vaulted ceilings enhance the spacious feel. Two oversized guest bedrooms feature large closets and share access to a front-facing balcony.The remodeled guest bathroom includes a floating vanity, deep soaking tub, and designer finishes. Privately situated at the rear of the home, the primary suite enjoys harbor views from its private balcony. Exposed wood beam ceilings and expansive windows fill the room with natural light. The spa-inspired ensuite bathroom features a freestanding soaking tub, oversized walk-in rain shower, dual floating vanity, and contemporary finishes. Step outside to an expansive Trex deck and gangway leading directly to your private 40-foot dock easement, providing direct access to boating, kayaking, and the Channel Islands Harbor lifestyle.Additional improvements include fresh interior and exterior paint, recently added central air conditioning, new 125-amp electrical panel and wiring, recessed lighting throughout, and pre-plumbing for a water softener. Ideally located near beaches, waterfront dining, shopping, and yacht clubs, this move-in-ready waterfront home offers the perfect blend of comfort, quality, and coastal living.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Billy Davidson · RE/MAX Gold Coast-Beach Office
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
$16,565
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $224,900 · Loan: $2,024,100
Average 30-yr fixed rate 6.71% as of Sep 3, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $13,075
- Property tax (1.25%)
- $2,343
- Homeowners insurance
- $300
- Mortgage insurance
- $843
- HOA dues
- $4
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 Sep 3, 2026
- 30-year fixed
- 6.71%
- 15-year fixed
- 6.04%
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 $78,715 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
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