3629 Ponderosa
El Monte, CA, 91732
$685,000
MLS: SR26026950
Beds
3
Baths
3
Sq Ft
1,408
Lot
0.05 ac
Year Built
1988
MLS #
SR26026950
Days on Market
1
Listed
Feb 6, 2026
Description
Wow!! this beautifully updated 3-bedroom, 3-bath residence with a 2-car garage, located within a gated, private, and secure HOA community. Blending comfort with thoughtful modern upgrades, this home offers both peace of mind and stylish living. Renovated in November 2022, the kitchen shines with granite countertops, refreshed cabinetry, and generous prep space—ideal for everyday living and effortless entertaining. Natural light fills the bright, open interior, highlighted by a neutral palette and an upgraded fireplace that creates a warm, inviting focal point in the living area. The spacious primary suite offers a serene retreat, while the additional bedrooms provide versatile space for guests, a home office, or creative use. Within the last two years, both the fireplace and a bathroom have been tastefully upgraded, adding contemporary style and extra value. The primary bathroom also features ample under-sink storage to keep everything organized and functional. With modern updates, a comfortable layout, and the added benefit of a gated HOA setting, this move-in ready home offers the perfect balance of style, function, security, and livability. An incredible opportunity you won’t want to miss.
Location
El Monte, Los Angeles County, CA 91732
Open on Google Maps ↗Listed by: Ramon Rascon · RE/MAX One
Payment estimate
$5,058
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $68,500 · Loan: $616,500
- Principal & Interest
- $3,788
- Property tax (1.25%)
- $714
- Homeowners insurance
- $300
- Mortgage insurance
- $257
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 El Monte home with as little as 3.5% down using an FHA loan — roughly $23,975 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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