4126 Harbour Island Lane
Oxnard, CA, 93035
$2,790,000
MLS: V1-33968
Beds
4
Baths
4
Sq Ft
3,574
Lot
0.14 ac
Year Built
2007
MLS #
V1-33968
Days on Market
84
Listed
Jan 23, 2026
Description
Waterfront Luxury Meets Coastal Serenity in Seabridge --- Experience life on the harbor in this beautiful Seabridge home located on a wide channel with fantastic views and your own 45' boat dock (electric boat included in sale). This light, bright and spacious home with more than 50 windows is being sold furnished and features a recently upgraded chef's kitchen with gas range, double ovens, gorgeous neutral Quartzite counters, Rohl sink and Zellige tile backsplash. Designer lighting adds elegance to the comfortable main floor living areas. The main floor also features a guest bedroom with en-suite bathroom and patio access. The upstairs serves as a private sanctuary where you will find two additional bedrooms, den/office area and additional bathroom. The expansive primary retreat is complete with a sitting area, double sided gas fireplace, a private balcony with expansive water views and a large walk-in closet and spa-like bathroom. Enjoy the mild coastal weather all year round from the huge, south facing, remodeled backyard featuring travertine tile, fire pit, hot tub and an expansive, permitted, fully covered patio (one of only a few in Seabridge) for daily enjoyment of the water, passing boats and sunsets. Enjoy all that Seabridge amenities offer including fabulous clubhouse with pool and well-equipped fitness room, miles of walking paths and many community organized social events. Walking distance to a myriad of waterfront restaurants and shops and just a short five minute drive to three stunning, quiet beaches.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Marianne Romo · Keller Williams Westlake
Payment estimate
$19,681
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $279,000 · Loan: $2,511,000
- Principal & Interest
- $15,428
- Property tax (1.25%)
- $2,906
- Homeowners insurance
- $300
- Mortgage insurance
- $1,046
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 $97,650 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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