120 S Encinal Avenue
Ojai, CA, 93023
$620,000
MLS: V1-35848
Beds
2
Baths
1
Sq Ft
880
Lot
0.08 ac
Year Built
1965
MLS #
V1-35848
Days on Market
0
Listed
Apr 22, 2026
Description
Welcome to Meiners Oaks living at 120 S. Encinal Ave--an incredible opportunity to own in one of Ojai's most desirable neighborhoods.Just moments from local favorites like Farmer and the Cook along with a neighborhood donut shop and other charming boutiques, you'll love the convenience and vibrant community right outside your door. This home offers a great foundation with the chance to update and personalize over time. Whether you're a first-time buyer, investor, or someone looking to create a space that reflects your own style, this property provides a rare entry point into the Ojai market at an attractive price.Bring your vision and make it your own--opportunities like this don't come around often in such a prime location.
Location
Ojai, Ventura County, CA 93023
Open on Google Maps ↗Listed by: Tonya Peralta · Keller Williams Santa Barbara
Payment estimate
$4,607
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $62,000 · Loan: $558,000
- Principal & Interest
- $3,428
- Property tax (1.25%)
- $646
- Homeowners insurance
- $300
- Mortgage insurance
- $233
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 Ojai home with as little as 3.5% down using an FHA loan — roughly $21,700 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.
Local Market Stats
See Ojai, CA 93023 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
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