11040 Encanto
El Monte, CA, 91731
$742,000
MLS: OC26008062
Beds
4
Baths
3
Sq Ft
1,640
Lot
2.16 ac
Year Built
2005
MLS #
OC26008062
Days on Market
55
Listed
Jan 13, 2026
Description
Stop looking and start living! This 2005-built Olson Company townhouse offers the space of a single-family home with the low-maintenance lifestyle of a community. As a formal model home and a premium end-unit in the Encanto Walk community, this home offers the most functional layouts with enhanced privacy with only one common wall and an abundance of natural light. Spanning 1,640 sq. ft., the thoughtful tri-level floor plan features 4 spacious bedrooms and 2.5 bathrooms. The heart of the home is the open-concept living area, highlighted by an airy living room with soaring ceilings, along with a dining area that flows seamlessly into the upgraded kitchen, and a private balcony—ideal for morning coffee. The chef’s kitchen was recently remodeled (approx. 4 years ago) with sleek cabinetry and modern appliances. On the top level, find a serene primary suite with a generous walk-in closet and en-suite bath, alongside two additional bright bedrooms. Its lower level first floor features include a 2-car attached garage with dryer and washer hooked up, in addition to a versatile fourth bedroom - considering a guest suite, or entertainment room of your choice and family preference. Across from the home is the United Post Office and the community is just steps away from downtown El Monte, the Metrolink, major freeways (10 and 605 freeways), this is the ultimate hub for Southern California living.
Location
El Monte, Los Angeles County, CA 91731
Open on Google Maps ↗Listed by: Sam Vong · A-Med Realty Group
Payment estimate
$5,454
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $74,200 · Loan: $667,800
- Principal & Interest
- $4,103
- Property tax (1.25%)
- $773
- Homeowners insurance
- $300
- Mortgage insurance
- $278
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 El Monte home with as little as 3.5% down using an FHA loan — roughly $25,970 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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