4229 Harbour Island Lane
Oxnard, CA, 93035
$999,999
MLS: V1-33983
Beds
2
Baths
2
Sq Ft
2,164
Lot
—
Year Built
1988
MLS #
V1-33983
Days on Market
99
Listed
Jan 7, 2026
Description
Have you dreamed of living in Harbour Island? Motivated seller is pleased to offer a rare opportunity to afford a large 2 bedroom condo plus 1 home office (or a possible 3rd bedroom), a spacious 2 car garage, and semi-private elevator with open pool and hot tub views! With 2 living rooms, a bar, and a large outdoor balcony off of each living room, this condo is perfect for entertaining family and friends. Harbour Island is family and pet friendly. What truly sets this apartments from others is the rare opportunity for tranquility within a gated well maintained waterfront community. A must see!
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Stephen Henderson · Innovate Realty
Payment estimate
$7,246
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $100,000 · Loan: $899,999
- Principal & Interest
- $5,530
- Property tax (1.25%)
- $1,042
- Homeowners insurance
- $300
- Mortgage insurance
- $375
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 $35,000 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.
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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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