12186 Desert Ranch
Phelan, CA, 92371
$524,900
MLS: IV26000781
Beds
3
Baths
2
Sq Ft
1,441
Lot
2.11 ac
Year Built
1991
MLS #
IV26000781
Days on Market
12
Listed
Apr 1, 2026
Description
STUNNING POOL PROPERTY WITH ENDLESS UPGRADES! This beautifully improved home blends comfort, style, and functionality at every turn. Thoughtful updates completed within the last two years include a roof with a 50-year warranty, updated flooring throughout, granite countertops in the kitchen and bathrooms, newer kitchen appliances, and fresh interior and exterior paint. An oversized laundry room adds exceptional convenience and storage. A true standout feature is the fully finished pool house, complete with heating and AC—perfect for guests, a creative studio, a home office, or a private retreat. Inside the main home, enjoy cozy winter evenings by the charming fireplace, and spend your summers relaxing by the sparkling pool, offering year-round enjoyment. The property is fully fenced and cross-fenced and includes a cement pad with power and water, ideal for RV parking. An attached 2-car garage adds everyday ease, and the included shipping container provides fantastic potential for a workshop or additional storage. All of this sits on just over 2 acres, located approximately 600 feet off paved Duncan Rd, offering the perfect blend of privacy and accessibility. Homes like this don’t come around often. Submit your offer today!
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: NILA SILVA · REALTY MASTERS & ASSOCIATES
Payment estimate
$3,946
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $52,490 · Loan: $472,410
- Principal & Interest
- $2,903
- Property tax (1.25%)
- $547
- Homeowners insurance
- $300
- Mortgage insurance
- $197
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 Phelan home with as little as 3.5% down using an FHA loan — roughly $18,372 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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