643 Holly Avenue
Oxnard, CA, 93036
$575,000
MLS: V1-34606
Beds
2
Baths
2
Sq Ft
1,194
Lot
0.11 ac
Year Built
1974
MLS #
V1-34606
Days on Market
1
Listed
Feb 11, 2026
Description
Charming North Oxnard single story home ideally located on a wide greenbelt close to The Collection with its upscale shopping, dining and entertainment, the 101 Freeway for ease of commute and only minutes to the beach. Discover this inviting 2 bedroom and 2 bath featuring a spacious living room with cozy fireplace, a comfortable family room open to the living room and dining area with private patio perfect for entertaining. You will appreciate the interior laundry room and detached 2 car garage. Enjoy ease of living in one of Oxnard's most desirable neighborhoods.
Location
Oxnard, Ventura County, CA 93036
Open on Google Maps ↗Listed by: Ken Lear · Rare Earth Real Estate
Payment estimate
$4,294
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,500 · Loan: $517,500
- Principal & Interest
- $3,180
- Property tax (1.25%)
- $599
- Homeowners insurance
- $300
- Mortgage insurance
- $216
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 $20,125 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.
Similar Homes Nearby
Active and pending listings in ZIP 93036 (Oxnard) within ±10% of this home's price and size.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.