10380 Baker Road
Lucerne Valley, CA, 92356
$265,000
MLS: HD26026877
Beds
4
Baths
2
Sq Ft
1,404
Lot
0.32 ac
Year Built
1957
MLS #
HD26026877
Days on Market
42
Listed
Feb 5, 2026
Description
Welcome to a spacious 4-bedroom, 2-bath home with a 2-car garage located in the peaceful community of Lucerne Valley. This charming 1,404 sq. ft. home sits on a large lot, offering plenty of room for RV parking, outdoor projects, or expanding your outdoor living space. The property features a brand-new water well, providing long-term savings with no future water bills — a valuable benefit for desert living! Inside, the home offers an open layout with great potential; it just needs some cosmetic updates to make it truly shine. Perfect for first-time home buyers or investors, this property combines affordability, space, and opportunity in one great package. Enjoy quiet country living with easy access to main roads, schools, and local amenities. Schedule your visit today!
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Alba Murcia-Riano · Merci Real Estate
Payment estimate
$2,141
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $26,500 · Loan: $238,500
- Principal & Interest
- $1,465
- Property tax (1.25%)
- $276
- Homeowners insurance
- $300
- Mortgage insurance
- $99
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 $9,275 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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