10298 Custer Avenue
Lucerne Valley, CA, 92356
$699,000
MLS: HD26060767
Beds
5
Baths
3
Sq Ft
2,788
Lot
2.15 ac
Year Built
2024
MLS #
HD26060767
Days on Market
1
Listed
Mar 29, 2026
Description
Completed in 2024, this newly constructed home sits on approximately 2.15 acres along a paved road in Lucerne Valley, offering a rare combination of space, functionality, and versatility. The home features 5 bedrooms and 3 bathrooms with a thoughtfully designed floor plan, including spacious living and dining areas, a formal living room, and extra-wide hallways. A privately located office on a separate end of the home provides a quiet and flexible space for work or additional use. The centrally located kitchen connects seamlessly to the main living areas. Interior amenities include central heating and air conditioning, natural gas, and a private well. Outdoor features include multiple covered patios, garden areas, mature fruit trees, and a well-established rosemary hedge along the north property line, creating a natural boundary with added privacy. A detached shop with a bathroom and additional living area offers versatile space for a variety of uses. The property also includes multiple storage buildings for equipment or hobby use. Additionally, a mobile structure on the property provides flexible space for storage or workspace. This structure is not permitted for residential use; buyer to verify all permitted uses with the county. This property offers a unique opportunity with new construction, usable acreage, and multiple functional improvements.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Brandi Olson · Coldwell Banker Home Source
Payment estimate
$5,156
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $69,900 · Loan: $629,100
- Principal & Interest
- $3,865
- Property tax (1.25%)
- $728
- Homeowners insurance
- $300
- Mortgage insurance
- $262
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 Lucerne Valley home with as little as 3.5% down using an FHA loan — roughly $24,465 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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