12680 Encino Court
Rancho Cucamonga, CA, 91739
$1,698,888
MLS: IV26033563
Beds
4
Baths
5
Sq Ft
4,610
Lot
0.27 ac
Year Built
2007
MLS #
IV26033563
Days on Market
46
Listed
Feb 13, 2026
Description
Must See! Newly Remodeled. New paint, flooring, white quartz counter tops in kitchen, master bath. lighting, landscape One of the largest floor plans in the community, this home offers a rare opportunity for those who value open space, comfort, & a well-rounded lifestyle. Executive 4-bedroom, 4.5-bathroom home offers 4,610 sq. ft. of spaciously designed living space in the gated community of Rancho Etiwanda Estates, located at top of Day Creek. Set on a quiet cul-de-sac, this south-facing property features sweeping snow capped mountain & city views, along with unique design elements like arches & spiral wrought iron staircase overlooking large 2-story formal living room. inspired by feng shui principles. The open-concept layout balances style & privacy, making it ideal for both daily living & entertaining. On the main level, you will find a private bedroom with in-suite bath with a separate entrance, perfect for multi-generational living or guests. A separate den provides flexible space for a home office, study, or playroom. The gourmet kitchen includes built-in stainless steel appliances, a built-in refrigerator, granite countertops, a large center island, & a walk-in pantry. The home also features a formal dining room, casual eat-in area, & family room with fireplace. Upstairs, the primary suite includes a bedroom, full bath with dual vanities, a Jacuzzi tub, walk-in shower, oversized walk-in closet, and an adjoining area for office, sitting room, exercise room, or nursery. A spacious loft offers options for a game room, media space, or second living area. No Jack & Jill bathrooms, each bedroom includes its own in-suite bathroom, providing comfort & privacy throughout the home. Also located upstairs is a big separate laundry room, complete with ample storage cabinets and a utility sink, providing practical convenience for a busy household. European inspired backyard with sparkling pool, waterfalls, statues, benches, covered patio, dual trellis covers, landscaped grounds, automatic sprinklers, & a grassy side yard all designed with both relaxation & ease of maintenance in mind. This home is part of a gated community with a security patrol, offering peace of mind just minutes from Etiwanda Preserve hiking trails, top-rated Etiwanda schools, & Victoria Gardens, one of the area’s premier destinations for shopping, dining, & entertainment. Rancho Cucamonga recognized in 2020 as 10 All-America City.
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: WILLIAM VERRET · William Verret, Broker
Payment estimate
$12,101
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $169,889 · Loan: $1,528,999
- Principal & Interest
- $9,394
- Property tax (1.25%)
- $1,770
- Homeowners insurance
- $300
- Mortgage insurance
- $637
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 $59,461 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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