4207 Harbour Island
Oxnard, CA, 93035
$1,149,000
MLS: SR26112169
Beds
2
Baths
2
Sq Ft
1,937
Lot
0.04 ac
Year Built
1992
MLS #
SR26112169
Days on Market
21
Listed
May 26, 2026
Description
Stunning single-level waterfront condo in the exclusive gated community of Harbour Island with jaw-dropping views of the Channel Islands Harbor and distant mountains from almost every room. This light-filled second-floor corner unit offers two bedrooms plus a versatile bonus room ideal for a third bedroom, office, or den and combines comfort, elegance, and an unbeatable coastal lifestyle. The charming kitchen with a coffered ceiling features abundant storage, oversized windows and picturesque water views with an adjacent breakfast nook perfect for casual dining. Entertain with ease in the large dining room while guests enjoy the spectacular scenery. The inviting living room offers a cozy fireplace, wet bar and seamless indoor-outdoor living with a set of French doors leading to an expansive balcony overlooking the harbor. As a corner unit, the home enjoys a naturally sheltered location that helps protect the balcony from northwest winds, creating an inviting outdoor space to enjoy year-round. The spacious primary suite is a private retreat with balcony access, endless views, a large walk-in closet, and a spa-inspired en-suite bath. The generously sized second bedroom also enjoys tranquil water and mountain views. Additional highlights include a sizable 2-car garage, interior laundry room and a semi-private elevator shared with just one other residence. Harbour Island residents enjoy resort-style amenities including a pool, spa, clubhouse, beautifully maintained grounds and a scenic walking path. Regular community events foster a vibrant sense of community, while dining, shopping, boating, and outdoor recreation are just steps away. Experience exceptional waterfront living in one of Oxnard’s most sought-after harbor communities.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Holly Thompson · RE/MAX of Santa Clarita
Payment estimate
$9,754
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $114,900 · Loan: $1,034,100
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,550
- Property tax (1.25%)
- $1,197
- Homeowners insurance
- $300
- Mortgage insurance
- $431
- HOA dues
- $1,276
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 $40,215 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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