20736 Spruce Circle
Porter Ranch, CA, 91326
$1,478,000
MLS: 26660725
Beds
5
Baths
4
Sq Ft
3,005
Lot
1.17 ac
Year Built
2018
MLS #
26660725
Days on Market
8
Listed
Mar 16, 2026
Description
Welcome to luxury living in the prestigious gated community of the Peak Collection in The Canyons at Porter Ranch. This exceptional Toll Brothers residence is ideally situated in a community that showcases elegant Mediterranean-inspired architecture with sophisticated modern design. The thoughtfully designed open-concept floor plan offers expansive living spaces filled with natural light, soaring ceilings, and seamless indoor-outdoor flow ideal for both everyday living and entertaining. The chef's kitchen serves as the heart of the home, featuring a large center island, premium appliances, abundant cabinetry, and an inviting conservatory room that opens to the backyard for true California indoor-outdoor living. The luxurious primary suite provides a private retreat with a spa-inspired bath, dual vanity sinks, soaking tub, oversized walk-in shower, and a spacious walk-in closet. Additionally there is a downstairs bedroom & full bathroom that may offer flexible space for guests, or a home office. Step outside to a beautifully designed backyard perfect for relaxing or entertaining while enjoying the scenic hillside surroundings that make the Peak Collection one of Porter Ranch's most desirable enclaves.Residents enjoy access to resort-style amenities including a clubhouse, pool, parks, and miles of scenic trails, all just minutes from premier dining, shopping, and entertainment at The Vineyards at Porter Ranch. Experience elevated luxury living in one of Porter Ranch's most sought-after gated communities. No Mello Roos & Paid Solar.
Location
Porter Ranch, Los Angeles County, CA 91326
Open on Google Maps ↗Listed by: RoxAnne Webber · Compass
Payment estimate
$10,567
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $147,800 · Loan: $1,330,200
- Principal & Interest
- $8,173
- Property tax (1.25%)
- $1,540
- Homeowners insurance
- $300
- Mortgage insurance
- $554
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 Porter Ranch home with as little as 3.5% down using an FHA loan — roughly $51,730 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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