4541 Lyme Bay
Oxnard, CA, 93035
$1,895,000
Original list price: $1,925,000
MLS: TR26126155
Beds
3
Baths
3
Sq Ft
2,237
Lot
0.06 ac
Year Built
1971
MLS #
TR26126155
Days on Market
75
Listed
Jun 10, 2026
Description
. Waterfront Living in Mandalay Bay at Its Finest Welcome to this beautiful waterfront home in the highly desirable Mandalay Bay community. Featuring 3 bedrooms, 2.5 baths, and approximately 2,237 square feet of comfortable living space, this home offers stunning water views, a private balcony, and a 40-foot boat dock just steps from your backyard. The open-concept floor plan is designed for both everyday living and entertaining, with a large kitchen, spacious living and dining areas, and seamless indoor-outdoor flow to a generous waterfront patio. Enjoy breathtaking bay views from nearly every room while embracing the ultimate coastal lifestyle. Whether you’re boating, kayaking, relaxing by the water, strolling to nearby beaches, or enjoying local dining and shopping, this exceptional home places the best of Channel Islands Harbor right at your doorstep. A rare opportunity to own a turnkey waterfront retreat in one of Ventura County’s most sought-after coastal communities.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: J T Lau · J T Lau
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$13,975
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $189,500 · Loan: $1,705,500
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $10,949
- Property tax (1.25%)
- $1,974
- Homeowners insurance
- $300
- Mortgage insurance
- $711
- HOA dues
- $42
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 Aug 20, 2026
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
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 $66,325 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.
★#1 Producing Individual Realtor — Antelope Valley
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