21815 Denise Lane
Saugus, CA, 91390
$1,199,000
MLS: 226001404
Beds
4
Baths
4
Sq Ft
3,150
Lot
0.25 ac
Year Built
2002
MLS #
226001404
Days on Market
22
Listed
Mar 28, 2026
Description
Welcome to this well-appointed 4 bedroom, 3.5 bathroom home offering the perfect blend of comfort, functionality, and outdoor living. The expansive open floor plan features a large living area with a cozy fireplace, ideal for both everyday living and entertaining. The kitchen is designed for gathering, complete with ample cabinetry, generous counter space, and a large island with bar seating that opens seamlessly to the main living areas.Upstairs and downstairs living spaces provide flexibility for families, guests, or a home office setup. Natural light fills the home, highlighting the spacious layout and inviting atmosphere throughout.Step outside to your private backyard retreat featuring a pool and spa, perfect for relaxing or hosting. The surrounding patio and landscaped areas create an ideal setting for outdoor dining and entertaining.Additional highlights include multiple living areas, spacious bedrooms, and a functional layout that suits a variety of lifestyles. Conveniently located near shopping, dining, and local amenities.
Location
Saugus, Los Angeles County, CA 91390
Open on Google Maps ↗Listed by: Daniel Murphy · RE/MAX ONE
Payment estimate
$8,629
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $119,900 · Loan: $1,079,100
- Principal & Interest
- $6,630
- Property tax (1.25%)
- $1,249
- Homeowners insurance
- $300
- Mortgage insurance
- $450
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 Saugus home with as little as 3.5% down using an FHA loan — roughly $41,965 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.
USDA Rural Development — 100% Financing＋
ZIP code 91390 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in Saugus. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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