1109 N Lugo Avenue
San Bernardino, CA, 92410
$580,000
MLS: DW26080520
Beds
2
Baths
2
Sq Ft
1,152
Lot
0.10 ac
Year Built
1946
MLS #
DW26080520
Days on Market
1
Listed
Apr 14, 2026
Description
Duplex that has transformed the neighborhood. Detached two car garage perfect for someone who wants to build an ADU. Yard has been fenced in so each unit can enjoy their own private backyard space. Front yard landscape, new laminate flooring, quartz coutertops, white shaker cabinets in the kitchen and restrooms, new appliances in both units, ceiling fans. This property is ready for someone to add to their portfolio. CALL NOW...
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Renato Mendez · Dynasty Real Estate
Payment estimate
$4,329
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,000 · Loan: $522,000
- Principal & Interest
- $3,207
- Property tax (1.25%)
- $604
- Homeowners insurance
- $300
- Mortgage insurance
- $218
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $20,300 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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