$185,000
2531 Cienaga St 31
Oceano, CA 93445 · Oceano
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Buying in the IE / SGV
Map search, offer strategy, and local comps with a licensed buyer’s agent.
Match with a buyer agent →Selling your home
Pricing, airmets aerial marketing, and negotiation with the listing team.
Talk to a listing agent →5.0 from 3 Google reviews
As first-time homebuyers, we couldn't have asked for a better experience! From the day we started looking to getting our offer accepted took only two months, and just a month to close on the house. Since we both work during the week, we could only go house hunting on weekends. We'd find properties online, send them over, and Nick would set up everything for us, fitting in at least 3 or 4 house tours every weekend. He really knew the market and gave us real, honest pros and cons for each area, especially around safety, location convenience, and long-term value. During the loan process, Jessica was amazing to work with. She was super informative, always on top of things, and constantly kept us in the loop while guiding and reminding us on how to prep all the required documents. Whenever a question or unexpected issue came up, she handled it fast and took the stress off our shoulders. NJV Realty made the whole experience way easier than we expected. We trust them completely, will definitely work with them again in the future, and highly recommend them to anyone looking to buy a home!
Listing notices & complianceShow
Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by CRMLS or NJV Realty. © Multiple Listing Service. All rights reserved. Listing data may not reflect all real estate activity in the market. Properties may have sold, been withdrawn, or changed price without notice. Square footage, lot size, room counts, and other measurements are approximate and should be independently verified. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. NJV Realty (Advertising Broker, California DRE #02446814) displays listings under the CRMLS IDX program when enabled; listing agent and listing office are identified on each property display.
Mortgage estimate for this home
Payment figures are estimates only — not a loan offer or rate lock. NJV Realty is a real estate brokerage.
Estimated Monthly Payment Range
$1,210 – $1,230/mo
Scenario at 6.50% with a conservative buffer. Not a loan offer or rate lock.
- Principal & Interest$935
- Property Tax$170
- Insurance$125
- Total Interest (life of loan)$188,766
Based on these assumptions
$1,210 – $1,230/mo estimated range
$185,000 home · $37,000 down (20%) · 30-yr fixed at 6.50% default rate assumption · $2,035/yr tax (~1.10% estimate) · $1,500/yr insurance · no PMI (20%+ down).
Even when a market rate snapshot is displayed, mortgage rates change daily and vary by borrower, loan amount, occupancy, and lock period. The rate shown is not guaranteed and is not a rate lock until confirmed in writing by a licensed loan originator.
Payment ranges on this site use stated assumptions — including an estimated interest rate, property tax rate by ZIP (or California average), home insurance by price tier, and HOA dues you provide or we assume. These figures are for budgeting only and are not a loan offer. Your actual monthly payment will depend on your locked rate, credit profile, loan program, impounds, insurance quote, Mello-Roos or special assessments, and other costs determined at application.Information on this page — including payment estimates, rate examples, and pre-qualification discussions — does not constitute a loan offer, loan commitment, rate lock, or guarantee of credit approval. A formal Loan Estimate will be provided after you submit a complete application, as required by the TILA-RESPA Integrated Disclosure rule (TRID), Regulation Z (12 C.F.R. Part 1026) and Regulation X (12 C.F.R. Part 1024). All loans are subject to credit approval, property appraisal, underwriting guidelines, and investor requirements.