12326 Silver Rock
Pinon Hills, CA, 92372
$560,000
MLS: IG25270840
Beds
4
Baths
2
Sq Ft
2,405
Lot
2.01 ac
Year Built
2007
MLS #
IG25270840
Days on Market
132
Listed
Dec 5, 2025
Description
Pride of ownership shines through on this beautiful desert home. Discover the perfect blend of space, comfort, and modern upgrades in this beautifully updated 4-bed, 2-bath home on a sprawling 2-acre lot, complete with an additional room easily convertible into a 5th bedroom. Set behind an electric gate with a block wall, this property offers exceptional privacy and room to grow. Step inside to an inviting open floor plan featuring a remodeled kitchen with a farmhouse sink, built-in wine fridge, LED track lighting, and wood shutters throughout. The home is equipped with practical upgrades including a tankless water heater, soft water system, three AC mini-splits, and a wood-burning stove. Enjoy resort-style living with a sparkling saltwater pool and spa, plus French doors opening to expansive outdoor space perfect for entertaining. Additional highlights include a renovated septic system, carport with an automatic garage door, extra side gate for easy access, and plenty of room for RVs, toys, or future additions. This property offers the ideal combination of modern convenience, rural space, and move-in ready comfort—an exceptional opportunity you won’t want to miss.
Location
Pinon Hills, San Bernardino County, CA 92372
Open on Google Maps ↗Listed by: Jason Inman · Homesmart
Payment estimate
$4,190
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $56,000 · Loan: $504,000
- Principal & Interest
- $3,097
- Property tax (1.25%)
- $583
- Homeowners insurance
- $300
- Mortgage insurance
- $210
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 Pinon Hills home with as little as 3.5% down using an FHA loan — roughly $19,600 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
See Pinon Hills, CA 92372 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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