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659 Reef Cir, Port Hueneme, CA, 93041

2beds
2baths
988sqft
$499,000
$505price/sqft
$3,517/moest. monthly cost
$140,680/yrincome needed

About This Home

Ocean Views!! Coastal Living Just Steps from the Beach!Welcome to 659 Reef Circle in beautiful Port Hueneme! This charming 2-bedroom, 2-bath condominium offers 988 square feet of comfortable beachside living in the highly desirable Surfside III community. Enjoy refreshing ocean breezes and ocean views from your private double patio deck with ocean views , the perfect place to relax with your morning coffee or unwind after a day at the beach.Inside, you'll find a bright and inviting floor plan featuring newer GE appliances, self-closing kitchen cabinets lazy susan kitchen cabinet, quartz counter, lighting plus a washer and dryer included for added convenience. The spacious living and dining areas create a warm and welcoming atmosphere, while the well-appointed bedrooms provide comfort and privacy. Surfside III residents enjoy resort-style amenities including a clubhouse, pool, spa, fitness facilities, and easy beach access.Located just moments from the sand, local dining, shopping, the marina, and scenic coastal walking paths, this is an incredible opportunity to own your own slice of paradise on the Ventura County coast. Whether you're looking for a primary residence, vacation retreat, or investment property, this beach-close gem offers the coastal lifestyle you've been dreaming of.Live where others vacation--welcome home to Port Hueneme! 🌊🏖️☀️

Getting Around

37
WalkingCar-Dependent
32
TransitSome Transit
44
BikeSomewhat Bikeable

Schools

2/10
3/10
4/10
Hueneme High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1977

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Fireplace features: None
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: None

Interior Area

  • Total interior livable area: 988 sqft

Property

Details

  • Parcel number: 2330090135
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One,Two
  • Stories: 1
  • Private pool: Yes
  • Pool features: Association,Community,Fenced
  • Has spa: Yes
  • Fencing: None
  • Has view: Yes
  • View description: Park/Greenbelt,Ocean,Peek-A-Boo,Water
  • Has water view: Yes
  • Water view: Ocean,Water

Lot

  • Features: Greenbelt,Sprinklers None

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in Ventura County and California

Earthquake
Fire
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,523$30,276
Home Insurance *$85$1,020
Property Taxes $511$6,132
Electricity $398$4,786
Total$3,517$42,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,582/yr
40% on housing$105,510/yr
45% on housing$93,786/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$505This listing

vs Other Active Listings

Avg $/sqft

ZIP 93041$333
Ventura County$554

vs Homes Sold Last Month

Median $/sqft

ZIP 93041$521
Ventura County$515

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-23Price change$499,000
2026-06-01Listed for sale$559,900
2015-09-21Listing removed$1,595
2015-08-22Listed for rent$1,595
2014-10-20Listing removed$1,550
2014-10-04Listed for rent$1,550
2002-01-22Sold$175,000

For Sale by Agent

AgentEnrique Montano
BrokerageRE/MAX Gold Coast REALTORS

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