4045 Harbour Island Lane
Oxnard, CA, 93035
$1,750,000
MLS: V1-34925
Beds
5
Baths
3
Sq Ft
2,851
Lot
0.09 ac
Year Built
2008
MLS #
V1-34925
Days on Market
44
Listed
Feb 28, 2026
Description
Modern luxury meets coastal elegance in this stunning 5 bedroom retreat on Shell Island in the Seabridge community. The renovated home has bespoke touches, a chef's kitchen and custom details throughout. Enter to the open-concept great room, the epitome of style! This includes a window-filled living room with built-ins and a fireplace, the dining area and the gourmet kitchen with a center island. A 6-burner range with oven, combined with the addition of 2 more wall ovens, provides ample room for a gourmet meal. The apron-front sink is divided into 2 deep basins. Cambria Hermitage Quartz counters make a calming surface for preparation and island dining. The expansive counters around the perimeter, custom bar cabinet, and coffee corner with floating shelves make this a dream workspace! Designer lighting adorns the walls, is set inside glass-front cabinetry, and spotlights the island. Both downstairs bedrooms share an updated bathroom with shower/tub combination. The den is tucked behind the kitchen. Level 2 is complete with a primary suite, 2 more additional bedrooms and a loft-style upstairs family room. A refreshment center has a beverage refrigerator and storage. The spa-like primary retreat has a fireplace, a gorgeous bathroom with a freestanding soaking tub and separate shower, delicate tile work, textured wallpaper and attractive lighting. The upgraded vanity has two sinks, with beautiful mirrors and fixtures. The primary features a front-facing balcony with sunset views. Its oversized closet will delight any fashionista. Floor to ceiling cabinets offer linen organization. The full-size laundry room has a sink and a window for natural light and fresh air. A thoughtful linen cabinet was added beside the laundry room. The additional upstairs bedrooms are generously sized with large closets, ceiling fans and room-darkening window treatments. The front deck was expanded with pavers and a manicured turf front lawn. This is the ideal vantage-point to enjoy the community. Soak in the afternoon sun and visit with friends and neighbors. Nearby, landscaped waterfront pathways meander through the neighborhood, where boats of all sizes are docked. The pathways lead to restaurants, retail, parks and paddle board and kayak launches. The community includes a gorgeous pool, spa, gym and event space on gated Coral Island. The Channel Islands beaches and harbor are less than 2 miles away. Move right in to this immaculate and gorgeous home.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Karen Stein · Coldwell Banker Realty
Payment estimate
$12,456
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $175,000 · Loan: $1,575,000
- Principal & Interest
- $9,677
- Property tax (1.25%)
- $1,823
- Homeowners insurance
- $300
- Mortgage insurance
- $656
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 $61,250 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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