5540 W 5th Street 21
Oxnard, CA, 93035
$662,000
Original list price: $750,000
MLS: V1-35905
Beds
3
Baths
2
Sq Ft
1,508
Lot
0.14 ac
Year Built
2018
MLS #
V1-35905
Days on Market
179
Listed
Apr 29, 2026
Description
PRICE REDUCTION** AND Seller will negotiate up to a 6 month credit on base land lease amount. Come and Experience the best of coastal living in beautiful Oxnard Shores, where the sand, surf and ocean breezes are just a short stroll from your front door! Enjoy morning walks along the beach, sunset strolls by the water and come home to your own private coastal retreat.This beautifully maintained 2019 home is located in the desirable gated Oxnard Shores community and offers a rare combination of beach side living, space, privacy and exceptional value. Situated on the largest lot in the community, this exceptional 3-bedroom, 2-bath home features 1,680 square feet of comfortable open-concept living.The spacious modern kitchen, complete with stainless steel appliances--all included--flows seamlessly into the living and entertaining areas. Durable vinyl tile flooring, a cozy working fireplace and an abundance of natural light create a warm and inviting atmosphere.The primary suite features a luxurious 26-jet walk-in tub, perfect for relaxing after a day at the beach. One of this home's most unique features is the private, fully fenced backyard--ideal for entertaining, pets, gardening or simply relaxing and enjoying the refreshing coastal breeze.A full 2-car garage--an exceptional and rare find in this community--provides convenience and valuable storage. Additional peace of mind comes with the newer roof, approximately 4 years old, with a 50-year warranty.With its rare private backyard, 2-car garage, newer construction and incredible beachside location, this is a wonderful opportunity to enjoy the relaxed Oxnard Shores lifestyle at an exceptional value. Come experience coastal living and make this special home your own!
Location
Oxnard, Ventura County, CA 93035
Open on Google Maps ↗Listed by: Laurie Meyer · Realty ONE Group Summit
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
$5,331
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $66,200 · Loan: $595,800
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,093
- Property tax (1.25%)
- $690
- Homeowners insurance
- $300
- Mortgage insurance
- $248
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 Oct 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $23,170 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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