10219 North Star Trail
Morongo Valley, CA, 92256
$399,000
MLS: JT26008249
Beds
2
Baths
1
Sq Ft
1,388
Lot
5.00 ac
Year Built
1958
MLS #
JT26008249
Days on Market
38
Listed
Jan 13, 2026
Description
WELCOME TO THE NORTH RANCH! Live the ranch lifestyle you've been dreaming of on this 5 acre Morongo Valley retreat offering privacy, wide open space and breathtaking panoramic views. This property features horse shelters, that open up to approximately four fully fenced acres, two enclosed chicken coops, two tortoise enclosures as well as plenty of room to garden, hike or relax on your covered porch while you take in the serenity of your surroundings. Outdoor enthusiasts and animal lovers this is your dream home! This 2 bedroom, 1 bathroom home has a huge main floor bedroom with its own enclosed patio and direct outdoor access, plus a large loft overlooking the open kitchen, living room, and dining area. The kitchen has granite counter tops and newer stainless steel appliances. Clear story windows capture the views from every angle while giving the home tons of natural light. Additional features include central heating an air, dedicated laundry room, the coolest outdoor shower, two storage sheds and RV hookups that are tied into the septic system, RV electrical hookups and a 350 ft. deep well with a well pump! If you have been looking for horse property and a place to create your own lifestyle, do not miss seeing this property. Situated near the Morongo Preserve, this special property offers serenity, space and a true connection to nature.
Location
Morongo Valley, San Bernardino County, CA 92256
Open on Google Maps ↗Listed by: Stacey Nounnan · eXp Realty of Southern California, Inc.
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 Morongo Valley home with as little as 3.5% down using an FHA loan — roughly $13,965 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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