12986 Macdonald Drive
Ojai, CA, 93023
$3,495,000
MLS: V1-35890
Beds
5
Baths
4
Sq Ft
4,776
Lot
2.93 ac
Year Built
2000
MLS #
V1-35890
Days on Market
1
Listed
Apr 19, 2026
Description
Elegant Mediterranean Estate - Located in the exclusive gated community of Rancho Matilija, this stunning home captures the serene beauty of Ojai with vistas from every angle. Bordered by the Ojai Land Conservancy and Ventura River, the property offers unmatched privacy and direct access to equestrian and pedestrian trails leading to the Los Padres National Forest and surrounding neighborhood paths. Enjoy sweeping views of the Ojai Valley and the iconic Topa Topa Mountains, the home features five spacious bedrooms and five bathrooms, including a primary suite with stunning views, a luxurious en-suite bathroom, and a large walk-in closet. Designed with comfort and style in mind, the open floor plan includes travertine flooring in the entry and kitchen, solid hardwood in main living areas, and three inviting fireplaces. Additional features include a three-car garage and an EV charger.Set on almost 3 acres with a vast variety of plants and trees including: citrus, palm, and olive trees, the backyard offers a tranquil escape with breathtaking views of Ojai's famous Pink Moment. Just minutes from Lake Casitas, downtown Ojai, and top private schools, the property is also within easy reach of Ventura, Carpentaria, Santa Barbara, and Los Angeles.Also available for lease for $14,500/month
Location
Ojai, Ventura County, CA 93023
Open on Google Maps ↗Listed by: Jack La Plante · LIV Sothebys Ojai
Payment estimate
$24,578
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $349,500 · Loan: $3,145,500
- Principal & Interest
- $19,326
- Property tax (1.25%)
- $3,641
- Homeowners insurance
- $300
- Mortgage insurance
- $1,311
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 $122,325 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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