10232 Effen Street
Rancho Cucamonga, CA, 91730
$728,000
MLS: AR26065264
Beds
3
Baths
2
Sq Ft
1,263
Lot
0.19 ac
Year Built
1957
MLS #
AR26065264
Days on Market
26
Listed
Mar 25, 2026
Description
Welcome to this beautifully upgraded single-story home located in the heart of Rancho Cucamonga. Featuring 3 bedrooms, 2 bathrooms, and 1,263 sq ft of living space on a spacious 8,100 sq ft lot, this property offers both comfort and exceptional future potential. Move in ready. Over the past five years, the owner has completed extensive upgrades, including enhanced front yard landscaping and fencing, dual-pane windows and sliding doors, newer flooring throughout, a remodeled kitchen with updated cabinetry and countertops, fully renovated bathrooms, complete repiping, a central HVAC system, and upgraded attic insulation. The expansive 8,100 sq ft lot is a rare find in this area, offering ample space for outdoor entertaining, future expansion, or the potential to add an ADU (buyer to verify). Conveniently situated in a prime location of Rancho Cucamonga, the home provides easy access to schools, shopping, grocery store, dining, and major freeways.
Location
Rancho Cucamonga, San Bernardino County, CA 91730
Open on Google Maps ↗Listed by: Shirley Juan Hou · Real Brokerage Technologies, Inc
Payment estimate
$5,357
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $72,800 · Loan: $655,200
- Principal & Interest
- $4,026
- Property tax (1.25%)
- $758
- Homeowners insurance
- $300
- Mortgage insurance
- $273
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 Rancho Cucamonga home with as little as 3.5% down using an FHA loan — roughly $25,480 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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