12530 Montrose Street
El Monte, CA, 91732
$868,000
Original list price: $890,000
MLS: OC26104932
Beds
4
Baths
3
Sq Ft
1,717
Lot
0.09 ac
Year Built
1988
MLS #
OC26104932
Days on Market
102
Listed
May 13, 2026
Description
Beautifully upgraded single-family home located in a secure gated community in El Monte. The neighborhood is quiet, comfortable, and welcoming, with many long-term residents who create a friendly community atmosphere. Conveniently located with easy access to the 10 and 605 Freeways, both reachable in approximately 5 minutes, offering excellent connectivity for commuting throughout Los Angeles and surrounding areas. The property is also close to a variety of shopping centers, supermarkets, restaurants, and daily conveniences. owner totally buying cost is 692845.30 dollars, buying price is 665000.00(505000.00 for former seller,160000.00 for wholesale company),other closing cost is 27845.30. and the owner has put more than 126000.00 in upgrading the home. This newly renovated home features numerous upgrades, including a brand-new kitchen, new flooring, fresh interior and exterior paint, newly landscaped front and back yards with new grass and flowers, a new central HVAC system, new water heater, new lights,roof repairs, fumigation and more. Bright and move-in ready, this home is ideal for owner-occupants.
Location
El Monte, Los Angeles County, CA 91732
Open on Google Maps ↗Listed by: Caibin Zhu · Real Broker
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$6,695
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $86,800 · Loan: $781,200
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,015
- Property tax (1.25%)
- $904
- Homeowners insurance
- $300
- Mortgage insurance
- $326
- HOA dues
- $150
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 Aug 20, 2026
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $30,380 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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Local Market Stats
See El Monte, CA 91732 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
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