439 N Encinitas
Monrovia, CA, 91016
$925,000
MLS: OC26129720
Beds
2
Baths
1
Sq Ft
1,352
Lot
0.17 ac
Year Built
1926
MLS #
OC26129720
Days on Market
9
Listed
Jul 9, 2026
Description
Welcome to 439 North Encinitas Avenue, a delightful foothill property nestled in the heart of Monrovia—a community rich in history, bustling with vibrant local shops, and offering a walkable downtown lifestyle. Set on a tree lined street, this 2-bedroom, 1-bath home is a canvas waiting for your creative vision, presenting an opportunity for updating and renovation that can truly bring out its potential. Imagine strolling to charming cafes, unique boutiques, and the lively local farmers market, or wandering through the picturesque streets of Monrovia, one of the region’s most desirable communities. This property is not just a home; it’s an excellent opportunity for rental income, future resale, to live in as your own, or a transformative renovation. Buyers will find great value in its prime location and functional lot configuration. Monrovia seamlessly combines history, charm, and modern amenities, making it a wise choice for those looking to invest in long-term appreciation. Seize this opportunity to establish a foothold in one of the San Gabriel Valley’s most popular markets!
Location
Monrovia, Los Angeles County, CA 91016
Open on Google Maps ↗Listed by: John Holmes · Lawyers Realty Group
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$6,960
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $92,500 · Loan: $832,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,350
- Property tax (1.25%)
- $964
- Homeowners insurance
- $300
- Mortgage insurance
- $347
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $32,375 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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Local Market Stats
See Monrovia, CA 91016 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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