5123 Neptune square
Oxnard, CA, 93035
$899,000
Original list price: $925,000
MLS: SR26161167
Beds
2
Baths
2
Sq Ft
1,374
Lot
—
Year Built
1981
MLS #
SR26161167
Days on Market
32
Listed
Jul 23, 2026
Description
Steps from the beach come experience the best of beachside living in this beautifully updated 2BR/2BA townhome, ideally located in desirable Mandalay Shores. Offering approximately 1,374 sq ft, this 2BR/2BA with versatile bonus room combines comfort, style, and an exceptional coastal location. The bright, open floor plan is enhanced by soaring vaulted ceilings and a cozy decorative fireplace, creating a warm and inviting living space. The updated kitchen features newer quartz countertops, freshly painted white cabinetry, and new SS stove, dishwasher and microwave. Additional upgrades include luxury vinyl plank flooring, newer interior paint, recessed lighting, updated lighting fixtures, ceiling fans, newer windows and glass slider and a newer heating system. A spacious two car attached garage and an interior washer/dryer area provides convenience and additional storage. Enjoy the privacy of this sought-after beach community with low HOA and NO Mello-Roos with the ocean just moments from your front door. Whether you're searching for a full-time residence, weekend retreat, or investment opportunity this move-in-ready home offers the ideal Southern California coastal lifestyle.
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Alexa Broadbent · Berkshire Hathaway HomeServices California Properties
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
$7,003
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $89,900 · Loan: $809,100
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,194
- Property tax (1.25%)
- $936
- Homeowners insurance
- $300
- Mortgage insurance
- $337
- HOA dues
- $235
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 $31,465 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
Only large teams outsell Mike Watson · Keller Williams Realty
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