489 4th Place
Port Hueneme, CA, 93041
$599,000
MLS: 226001446
Beds
2
Baths
3
Sq Ft
1,491
Lot
0.03 ac
Year Built
1991
MLS #
226001446
Days on Market
16
Listed
Apr 1, 2026
Description
Beautifully upgraded end unit, 3-story townhome offering exceptional natural light and a prime coastal location just one mile from the beach, is a must see! Thoughtfully designed with open sight-lines, modern upgrades, and flexible living spaces, this home delivers comfort, functionality, and an effortless coastal lifestyle.Throughout the home, you'll find a refined blend of newer carpet and flooring, creating a warm yet updated feel across all levels. The updated kitchen (2024) is a true centerpiece, featuring quartz countertops, white cabinetry, a stylish backsplash, gas range, bar seating, and an expansive dining area ideal for everyday living and entertaining.The home's layout offers exceptional versatility across two connected living levels. The main floor features a welcoming space with a gas fireplace, soaring vaulted ceilings that extend to the upper level, and direct access to a bright private patio, creating an open, airy feel. This level can function as a traditional living room or be reimagined as a formal dining space, depending on your lifestyle.The upper level overlooks the space below. Here, the spacious dining area flows seamlessly into the kitchen, while the adjacent built-in desk/office nook can be transformed into a comfortable media lounge with a sectional and TV--creating a second living area just off the kitchen and ideal for casual gathering or entertaining.Both bedrooms are configured as private primary suites, each with its own en-suite bathroom. The main suite features a beautifully upgraded bath with a large shower, frameless glass, built-in bench, and dual vanities thoughtfully positioned in a separate space from the shower and toilet, offering both privacy and functionality. The inside laundry area is located upstairs making for easy access and convenience.Outside you will find a bright private patio, complete with a natural gas line for grilling, perfect for relaxing or entertaining. The attached 2-car garage offers convenience and includes overhead hanging storage racks for efficient organization, along with MyQ smart technology for remote access and in-garage Amazon deliveries.Ideally located near a scenic creekside path that leads directly to the beach--and in the opposite direction to the local library, this home offers the perfect balance of nature, recreation, and everyday convenience. Enjoy refreshing coastal breezes throughout the home by simply opening the windows and sliding doors.With abundant natural light, high ceilings, extensive upgrades, and a thoughtfully flexible layout, this home delivers the best of coastal living in a modern, move-in-ready package. Possible assumable VA Loan at $4.205% available for qualified Buyer.
Location
Port Hueneme, Ventura County, CA 93041
Open on Google Maps ↗Listed by: Anita Petersen · Keller Williams West Ventura County
Payment estimate
$4,461
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,900 · Loan: $539,100
- Principal & Interest
- $3,312
- Property tax (1.25%)
- $624
- Homeowners insurance
- $300
- Mortgage insurance
- $225
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 Port Hueneme home with as little as 3.5% down using an FHA loan — roughly $20,965 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Port Hueneme property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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