1240 W Philadelphia
Ontario, CA, 91762
$1,099,000
MLS: TR26078024
Beds
3
Baths
3
Sq Ft
1,770
Lot
0.98 ac
Year Built
1952
MLS #
TR26078024
Days on Market
1
Listed
Apr 13, 2026
Description
A Rare Private Estate on Nearly One Acre — Where Space, Luxury, and Possibility Converge. Set behind a gated entrance on an expansive 42,900 sq ft lot, this extraordinary property redefines what it means to live with space, privacy, and intention. Designed as both a personal retreat and a place to gather, this is a home where everyday living feels elevated and every inch of the land invites possibility. Inside, the 1,750 sq ft residence is a refined blend of warmth and sophistication. Rich, solid real oak flooring grounds the living spaces, while a fully reimagined kitchen anchors the home with clean lines, stainless steel appliances, and effortless functionality. Every detail has been considered for comfort and ease, with all major appliances included for a seamless transition. The primary suite addition offers a quiet, private escape, complemented by beautifully updated bathrooms that reflect a modern elegance. Beyond aesthetics, the home has been extensively upgraded to meet the demands of modern living: new HVAC, ducting, and attic insulation, full PEX re-pipe and new main water line, new roof, and a 200-amp electrical panel. A fully owned 5.6 kW solar PV system ensures efficiency without compromise. And then—there is the land. A sweeping 1,000 sq ft covered patio opens to a backyard that feels more like a private park—lush, expansive, and alive with possibility. An 80’ x 100’ stretch of green lawn, 18 fruit-bearing trees, curated garden spaces, and dedicated areas for animals create a setting that is both serene and dynamic. The estate continues to unfold with a 1,500 sq ft insulated shop, a detached garage reimagined as a gym and recreation space, a large powered carport, and infrastructure designed for both convenience and ambition—including RV sewer access and a gated entry. With nearly one acre of usable land, this property offers strong potential for additional units or ADU development, making it an excellent opportunity for those looking to create rental income, house extended family, or maximize long-term value. This is a property that adapts to vision—whether that means expanding, creating, entertaining, or simply enjoying the rare luxury of open space. In a market where land is limited, opportunities like this are nearly impossible to replicate.
Location
Ontario, San Bernardino County, CA 91762
Open on Google Maps ↗Listed by: Brent Westra · Brent Westra
Payment estimate
$7,934
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $109,900 · Loan: $989,100
- Principal & Interest
- $6,077
- Property tax (1.25%)
- $1,145
- Homeowners insurance
- $300
- Mortgage insurance
- $412
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $38,465 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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