1038 E J Street
Ontario, CA, 91764
$709,000
MLS: HD26010721
Beds
3
Baths
1
Sq Ft
973
Lot
0.17 ac
Year Built
1947
MLS #
HD26010721
Days on Market
90
Listed
Jan 19, 2026
Description
PRICE REDUCTION: Turn-key, energy-efficient, and meticulously upgraded, this home lives and performs like near-new construction. A rare opportunity to own a fully rebuilt home that blends modern construction standards with established neighborhood character. This residence has undergone an extensive, fully permitted rebuild, offering the confidence, efficiency, and performance of near-new construction. Every major component of the home was thoughtfully upgraded with a focus on longevity, comfort, and quality. Structural & Mechanical Improvements: Full structural reframing, new roof, new windows, new electrical system with modern capacity and safety, new plumbing throughout, HVAC system, tankless water heater, extra insulation added to walls, ceilings, and garage. Interior Features & Finishes: luxury vinyl plank (LVT) flooring throughout living areas and bedrooms, tile flooring in bathroom and laundry room, Bright, open kitchen featuring a large island, All LED lighting throughout the home, Ceiling fans in bedrooms, contemporary finishes throughout, indoor laundry room. Garage & Storage: Garage is fully insulated and drywalled with built-in cabinetry. Exterior & Site Improvements: New exterior stucco finish. new concrete flatwork, including driveways and walkways, Block wall with sectioned fencing, offering privacy, durability, and a clean aesthetic, flexible parking with two driveway options, a rare and valuable feature in this area. Outdoor Living & Landscaping: thoughtfully designed outdoor spaces create a park-like backyard setting, ideal for relaxing or entertaining, mature landscaping in both front and back yards, providing immediate curb appeal and established greenery, fruit trees, including fig, lemon, lime, mandarin, and kumquat, offering beauty, shade, and productivity, inviting front patio framed by mature landscaping, enhancing indoor-outdoor living and neighborhood charm. This is not a cosmetic renovation. The combination of structural upgrades, new systems, enhanced insulation, modern finishes, functional parking, and mature landscaping results in a home with a significantly newer effective age, lower operating costs, and minimal future maintenance.
Location
Ontario, San Bernardino County, CA 91764
Open on Google Maps ↗Listed by: Jennifer Irvin · RE/MAX FREEDOM
Payment estimate
$5,225
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $70,900 · Loan: $638,100
- Principal & Interest
- $3,921
- Property tax (1.25%)
- $739
- Homeowners insurance
- $300
- Mortgage insurance
- $266
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $24,815 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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