10656 Allen Way
Lucerne Valley, CA, 92356
$399,000
MLS: SB26043279
Beds
2
Baths
1
Sq Ft
1,052
Lot
2.06 ac
Year Built
1951
MLS #
SB26043279
Days on Market
9
Listed
Feb 26, 2026
Description
Sitting on 2.06 acres in Lucerne Valley this home has been lovingly take care by the owner. The land is all useable with clear flat acreage. It has a 2 car garage and a separate storage building next to it. The area has a beautiful view of the mountains too. It is somewhat rural but also less than a 1/4 mile from the local library and the town. There is fencing, completely surrounding the property. There is a double gate access on Sunset and gated access on Allen Way. There is concrete to the garage and back door area. The kitchen have granite, backsplash, appliances, fixtures, flooring, interior doors and so much more including central heat & air. This is definitely a must see. There are 2 wells, one is 250' and The other is 160'. There are some very older out buildings too. The front entrance has 2 small steps leading to the covered front porch. Walk into the living room which is quite large and has a refinished fireplace. To the left is the dining area, kitchen and service porch and to the right is the full bathroom with custom tile and the bedrooms. It is just a very short distance on a dirt road off a paved road. It's a great property and is zoned RM/CM but buyer need to check with county.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Heddly Henriquez · Coldwell Banker Envision
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 Lucerne 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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