4045 Sunset Lane
Oxnard, CA, 93035
$1,399,999
MLS: SR26059584
Beds
3
Baths
3
Sq Ft
2,098
Lot
—
Year Built
1974
MLS #
SR26059584
Days on Market
4
Listed
Mar 19, 2026
Description
Spacious two stories with main living areas up with the Pacific ocean, Los Padres National Forest and mountains, and ocean beach views. Volume vaulted 14 foot wood beamed ceilings in master bedroom, dining room, living room, and den. Two Bedrooms upstairs with extra storage. Downstairs has a large family room, kitchenette and wet bar, one bedroom and bath. Large storage closet , novel wine cellar. Has two separate entries as well as one common entry upstairs with Italian ceramic tiles entry hall. Laundry is in the garage area with gas and power outlets. Extensive garage cabinets and workshop space. Homelink-Genie garage door opener, smoke detectors up and downstairs. All interior walls are thermally/acoustically insulated. The balconies were remolded in 2009, and the roof remodeled in 2017. Central air, gas, and heating replaced in 2010. With a concrete patio towards the ocean,
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Sandy Loree · Sandy Loree Realty
Payment estimate
$10,025
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $140,000 · Loan: $1,259,999
- Principal & Interest
- $7,742
- Property tax (1.25%)
- $1,458
- Homeowners insurance
- $300
- Mortgage insurance
- $525
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 $49,000 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.
Similar Homes Nearby
Active and pending listings in ZIP 93035 (Oxnard) within ±10% of this home's price and size.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.