1170 W Congress Street
San Bernardino, CA, 92410
$449,990
MLS: IG26066921
Beds
4
Baths
1
Sq Ft
1,360
Lot
0.17 ac
Year Built
1939
MLS #
IG26066921
Days on Market
25
Listed
Mar 27, 2026
Description
Hidden in the heart of San Bernardino lies an opportunity that rarely comes around—and never lasts long. This charming 4-bedroom, 1-bath home sits on a generous 7,200 sq ft lot and is filled with character waiting to be brought back to life. With just the right touch of TLC, this property could be transformed into something truly special. The expansive lot opens the door to exciting ADU potential, perfect for those with vision to expand, create additional income, or build multi-generational living. The property also features RV parking, a carport, and a detached structure that may be ideal for conversion into a guest house, studio, or additional living space (buyer to verify). Homes with this much potential, space, and flexibility rarely stay available for long—and once this one is gone, it will be someone else’s vision realized. Priced to sell, this is the kind of opportunity buyers regret missing. If you’ve been waiting for a property with character, land, and future potential, this may be the one you wish you had acted on sooner.
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Jacqueline Saker · Elevate Real Estate Agency
Payment estimate
$3,426
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,999 · Loan: $404,991
- Principal & Interest
- $2,488
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 $15,750 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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