4106 Harbour Island Lane
Oxnard, CA, 93035
$2,475,000
MLS: SR26052292
Beds
3
Baths
4
Sq Ft
3,100
Lot
0.14 ac
Year Built
2007
MLS #
SR26052292
Days on Market
25
Listed
Mar 10, 2026
Description
*DOWNSTAIRS PRIMARY SUITE* Spectacular 3-bedroom, 3.5-bath waterfront home offering approximately 3,100 sq. ft. in the heart of Channel Islands Harbor. Enjoy premium south-facing views and a private 45-foot boat slip directly behind the property—perfect for keeping all your water toys at your fingertips. The expansive outdoor deck is designed for entertaining, while the open floor plan inside is filled with natural light and luxury upgrades throughout. The home features a downstairs primary suite, two additional bedrooms upstairs, and a chef’s kitchen with custom cabinetry and premium appliances. A three-car garage provides ample storage, and the thoughtful layout makes it ideal for both full-time living and vacation escapes. Experience resort-style coastal living just steps from shopping, dining, and entertainment. Whether as your primary residence or the beach house getaway of your dreams, this property is a rare opportunity to live your best life on the water.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Nathan Butcher · eXp Realty of California Inc.
Payment estimate
$17,492
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $247,500 · Loan: $2,227,500
- Principal & Interest
- $13,686
- Property tax (1.25%)
- $2,578
- Homeowners insurance
- $300
- Mortgage insurance
- $928
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 $86,625 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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