319 N Encinitas Avenue
Monrovia, CA, 91016
$1,199,999
MLS: AR26023347
Beds
3
Baths
2
Sq Ft
1,645
Lot
0.26 ac
Year Built
1913
MLS #
AR26023347
Days on Market
18
Listed
Feb 2, 2026
Description
First time on the market in a highly sought-after Monrovia neighborhood, this classic Craftsman offers timeless character, an oversized lot, and breathtaking mountain views. Set on a beautiful street, this home delivers the perfect blend of charm, space, and lifestyle. A welcoming front porch leads into a cozy living room with a fireplace and window shutters. Wood floors highlight the dining and family rooms, which flow seamlessly into the kitchen, creating an ideal space for everyday living and entertaining. The home features a primary suite, separate family room, and a large laundry/utility room. The expansive backyard is designed for relaxation and entertaining, featuring a covered patio, pool and spa, and serene mountain views. A long driveway leads to a detached garage with an adjacent workshop and excellent potential for an ADU or creative space. Additional highlights include PAID SOLAR, ample storage, and a rare oversized lot. All just minutes from vibrant downtown Monrovia with its shops, restaurants, parks, and community events. A rare opportunity to own a character-filled home in one of Monrovia’s most desirable locations.
Location
Monrovia, Los Angeles County, CA 91016
Open on Google Maps ↗Listed by: Sunshine Coyle-Galvan · RGSC Properties Inc.
Payment estimate
$8,636
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $120,000 · Loan: $1,079,999
- Principal & Interest
- $6,636
- Property tax (1.25%)
- $1,250
- 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 Monrovia home with as little as 3.5% down using an FHA loan — roughly $42,000 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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