229 Scratch Rd
Covina, CA, 91722
$699,000
MLS: TR25217927
Beds
3
Baths
4
Sq Ft
1,573
Lot
0.15 ac
Year Built
2023
MLS #
TR25217927
Days on Market
159
Listed
Sep 25, 2025
Description
Welcome to this stunning modern tri-level townhouse built in 2023, ideally located in the heart of Covina with excellent access to everyday conveniences and transportation. This thoughtfully designed 3 bedroom, 3.5 bathroom home offers the perfect blend of functionality and contemporary style. The first floor features a private en-suite bedroom, ideal for guests, in-laws, or as a home office. The main living area on the second floor boasts an open-concept layout with a spacious living room, a modern kitchen with stainless steel appliances and quartz countertops, a dining area, a private balcony, and a convenient half bathroom. On the third floor, you'll find two additional en-suite bedrooms, including a spacious primary suite, as well as a laundry room for added convenience. Located just minutes from the 10 Freeway and within close proximity to major supermarkets, Asian grocery stores, restaurants, and retail centers, this home offers a lifestyle of ease and accessibility. With energy-efficient features, including solar that will be paid off when closing, central A/C, and an attached garage, this turnkey property is a rare opportunity you don’t want to miss.
Location
Covina, Los Angeles County, CA 91722
Open on Google Maps ↗Listed by: Han-Ni Chen · eXp of Greater Los Angeles
Payment estimate
$5,156
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $69,900 · Loan: $629,100
- Principal & Interest
- $3,865
- Property tax (1.25%)
- $728
- Homeowners insurance
- $300
- Mortgage insurance
- $262
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 Covina home with as little as 3.5% down using an FHA loan — roughly $24,465 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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