12430 Split Rein
Rancho Cucamonga, CA, 91739
$1,229,000
MLS: TR26062308
Beds
4
Baths
3
Sq Ft
2,980
Lot
0.24 ac
Year Built
2004
MLS #
TR26062308
Days on Market
8
Listed
Mar 23, 2026
Description
Beautiful Rancho Cucamonga Entertainer's Dream Home. This property has it all: Hard-to-find first floor master bedroom & bath, High ceiling formal living room, Large family room, kitchen with custom cabinets, granite counters and backsplash, black appliances, dual oven, trash compactor, butlers pantry, family room with a stone fireplace and multiple built-in shelves, Jacuzzi tub in master with a stand-alone shower as well as custom closet organizer, laundry room with cabinets and sink, upstairs loft and separate study area, wrought-iron staircase, and custom flooring and ceiling fans throughout. Garage includes custom storage units, epoxy flooring, security closet, can lighting and ceiling fan. Add to this over $150K spent on exterior upgrades which include front walkway pavers, iron gate to the RV parking, pool & spa that has a sit step, water feature and waterfall, outdoor fireplace with gas hookup, built-in BBQ island , Aluma wood patio cover, custom flagstone and concrete, designer landscaping throughout, indoor & outdoor surround sound, raised garden box with drip-system, and backyard lighting. Front door facing south.
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: Shao Zhou · Star Max Realty
Payment estimate
$8,837
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $122,900 · Loan: $1,106,100
- Principal & Interest
- $6,796
- Property tax (1.25%)
- $1,280
- Homeowners insurance
- $300
- Mortgage insurance
- $461
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 Rancho Cucamonga home with as little as 3.5% down using an FHA loan — roughly $43,015 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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