12575 Carmel Knolls Drive
Rancho Cucamonga, CA, 91739
$1,480,000
MLS: IV26194304
Beds
5
Baths
5
Sq Ft
4,143
Lot
0.21 ac
Year Built
2002
MLS #
IV26194304
Days on Market
22
Listed
Sep 4, 2026
Description
No HOA. No Mello Roos... Just Pure Luxury in Rancho Cucamonga’s Masterpiece Collection. Welcome to 12575 Carmel Knolls Drive—an exceptional 5-bedroom, 4.5-bathroom estate offering over 4,100 sq ft of refined living space nestled in the foothills with mountain and city views. Step through double leaded-glass doors into a grand formal living room with a cozy fireplace and soaring ceilings and a separate formal dining area. The open layout flows seamlessly into a spacious family room with a second fireplace and custom built-ins, and a gourmet kitchen featuring Wolf appliances, a large island, walk-in pantry, and eat-in dining area. This home is designed for multi-generational living, with two primary bedrooms upstairs plus one bedroom with 3/4 bath downstairs. Upstairs, a custom library with built-in bookcases and a computer center adds a touch of elegance and function. Retreat to the upstairs primary suite with the third fireplace, and a spa-like ensuite, walk-in closet, and private balcony with a view. Bedrooms include walk-in closets with organizers. Additional upgrades include travertine flooring, crown molding, new windows, fresh paint, and a 2018 HVAC system. Outside, enjoy a tastefully landscaped yard, two covered patios, and a built-in BBQ island—perfect for entertaining. The four-car garage and extra-wide driveway complete this dream home.
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: JANINE KIRCHNAVY · 44REALTY CORP
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
$11,285
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $148,000 · Loan: $1,332,000
Average 30-yr fixed rate 7.03% as of Sep 24, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $8,889
- Property tax (1.25%)
- $1,542
- Homeowners insurance
- $300
- Mortgage insurance
- $555
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 Sep 24, 2026
- 30-year fixed
- 7.03%
- 15-year fixed
- 6.42%
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 Rancho Cucamonga home with as little as 3.5% down using an FHA loan — roughly $51,800 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 Rancho Cucamonga, CA 91739 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
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