5470 Encinita Avenue
Temple City, CA, 91780
$1,300,000
MLS: AR26053752
Beds
4
Baths
2
Sq Ft
1,662
Lot
0.14 ac
Year Built
1949
MLS #
AR26053752
Days on Market
98
Listed
Mar 12, 2026
Description
A great opportunity to own a well-located single-family home in the highly desirable Temple City School District. This home features 4 bedrooms and 2 bathrooms with 1,662 sq ft of living space on a 6,180 sq ft lot. One of the bathrooms was recently remodeled. The kitchen offers granite countertops and ample cabinet space, and the home includes a convenient inside laundry room. The functional floor plan features a spacious living room with a fireplace and a formal dining room, perfect for gatherings and everyday living. The primary bedroom includes a study room with a separate entrance, which may qualify for conversion into a JADU (Junior Accessory Dwelling Unit) subject to city approval. Conveniently located near elementary schools, restaurants, and shopping, this property offers both comfort and great potential.
Location
Temple City, Los Angeles County, CA 91780
Open on Google Maps ↗Listed by: Alan Tran · KW Executive
Payment estimate
$9,514
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $130,000 · Loan: $1,170,000
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $7,372
- Property tax (1.25%)
- $1,354
- Homeowners insurance
- $300
- Mortgage insurance
- $488
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 Jun 18, 2026
- 30-year fixed
- 6.47%
- 15-year fixed
- 5.81%
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 Temple City home with as little as 3.5% down using an FHA loan — roughly $45,500 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 Temple City, CA 91780 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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