1225 W Congress Street
San Bernardino, CA, 92410
$780,000
MLS: 26994153
Beds
5
Baths
4
Sq Ft
3,120
Lot
0.11 ac
Year Built
1935
MLS #
26994153
Days on Market
17
Listed
Sep 28, 2026
Description
***ONE UNIT VACANT TO OWNER OCCUPY! ***Located in San Bernardino, this corner lot 4 unit property offers a unique multi family setup with a duplex facing W Congress St and two separate single family residences facing Prospect Ave, with each unit featuring its own private front and back yard. The property includes four separate garages, with the middle garage assigned to 1225 W Congress, the first garage assigned to 225 Prospect, and the third garage closest to 227 Prospect assigned to vacant Unit 1223 W Congress; Unit 227 Prospect does not have an assigned garage. With four separate living spaces, private yards, corner lot positioning, and garage parking, this property offers a versatile multi unit opportunity for investors and owner occupants alike.
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Maria Sarmiento · Keller Williams Los Angeles
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$6,266
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $78,000 · Loan: $702,000
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,861
- Property tax (1.25%)
- $813
- Homeowners insurance
- $300
- Mortgage insurance
- $293
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $27,300 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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