543 Winchester Dr, Oxnard, CA 93036
3 beds · 4 baths · 2,015 sqft
Live, Play, and Thrive at Wagon Wheel - A Lifestyle Like No OtherWelcome to Wagon Wheel, a dynamic master-planned community blending small-town charm with modern luxury in the heart of North Oxnard. Nestled between Malibu and Santa Barbara and just minutes from beaches, marinas, and the upscale Collection at RiverPark, this thoughtfully designed neighborhood features townhomes, condominiums, and luxury apartments surrounded by lush landscapes and vibrant energy.This beautiful three-level home boasts 3 spacious bedrooms, 4 bathrooms, and a versatile third-level loft currently used as a private primary retreat--complete with an en suite bath, walk-in closet, and a large, oversized balcony with sweeping views. The open-concept first floor features designer flooring, high ceilings, and seamless flow from the living room to the dining area and modern kitchen with island and bar seating. There's also a convenient guest bath and direct access to a two-car garage with extra storage.Upstairs on the second level, discover two spacious bedrooms, one with an en suite oversized bathroom, plus an additional full bath, and a dedicated laundry room with ample cabinetry and folding space. Light-filled, airy, and thoughtfully laid out, this home offers comfort and flexibility for modern living.Step outside and enjoy a community designed to activate your lifestyle. Wagon Wheel is brimming with resort-style amenities: jogging and bike trails with fitness stations, sand volleyball, pickleball courts, a basketball court, ping pong tables, and even a bowling alley with a pub. Take in the outdoors with acres of lush green space, shaded picnic areas, BBQs, gazebos, and a charming historic wishing well.Families will love the state-of-the-art playground, while pet lovers will appreciate the dedicated dog park. The vibrant Town Square features retail shops, future restaurants, a brewery, a convenience store, and even the Wagon Wheel Museum. Relax, play, explore, and unwind--all in one place.Come for a day, stay for a lifetime--Wagon Wheel is where your future begins.
Source: CRMLS #V1-29155
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #V1-29155
To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 620, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.