10681 Encino Drive
Oak View, CA, 93022
$2,200,000
MLS: V1-33246
Beds
4
Baths
4
Sq Ft
3,602
Lot
2.10 ac
Year Built
1981
MLS #
V1-33246
Days on Market
138
Listed
Nov 6, 2025
Description
Tucked away at the end of a long private drive, this custom-built single-level ranch estate captures the essence of Ojai's relaxed sophistication. Set on 2.1 acres of peaceful countryside, the 3,602 square foot residence offers effortless indoor-outdoor living with vaulted ceilings throughout and an inviting open floor plan designed for comfort and entertaining.The home features four spacious bedrooms and three and a half baths, blending timeless ranch architecture with modern livability. An oversized 900 square foot three-car garage provides ample room for vehicles and storage, while the detached studio or flex space offers endless possibilities as a creative retreat, gym, or guest quarters. Car enthusiasts and adventurers will appreciate the separate two-bay RV garage with high ceilings, ideal for large vehicles or workshop space. The expansive grounds invite future outdoor enhancements such as gardens, a pool, or equestrian amenities, all surrounded by the natural beauty and privacy that define the Ojai lifestyle. Saddle Mountain Estates combines seclusion, space, and opportunity in one of Ojai's most tranquil settings. It is an ideal sanctuary for those seeking refined country living just minutes from the village, hiking trails, and Ojai's vibrant cultural scene.
Location
Oak View, Ventura County, CA 93022
Open on Google Maps ↗Listed by: Tyler Brousseau · LIV Sothebys Ojai
Payment estimate
$15,582
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $220,000 · Loan: $1,980,000
- Principal & Interest
- $12,165
- Property tax (1.25%)
- $2,292
- Homeowners insurance
- $300
- Mortgage insurance
- $825
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 Oak View home with as little as 3.5% down using an FHA loan — roughly $77,000 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 93022 (Oak View) within ±10% of this home's price and size.
Local Market Stats
See Oak View, CA 93022 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
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.