12721 Mediterranean
Rancho Cucamonga, CA, 91739
$1,295,000
Original list price: $1,380,000
MLS: TR26054563
Beds
5
Baths
5
Sq Ft
3,884
Lot
0.20 ac
Year Built
2006
MLS #
TR26054563
Days on Market
142
Listed
Mar 12, 2026
Description
NEW PRICE! Exceptional opportunity to own a spacious home in one of Rancho Cucamonga’s most desirable gated communities within the award-winning Etiwanda School District. This beautifully designed residence offers approximately 3,884 sq ft with 5 bedrooms, 5 bathrooms, a versatile loft, and a private casita—perfect for multigenerational living, guests, or a home office. Paid-off solar system, three-car garage, inviting courtyard, expansive covered patio, mature fruit trees, and beautiful city light and mountain views. Conveniently located near Victoria Gardens, shopping, dining, parks, and major freeways. This is an outstanding opportunity for buyers seeking space, flexibility, and long-term value in a premier Rancho Cucamonga location.
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: Shumin You · WeTrust Realty
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
$9,826
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $129,500 · Loan: $1,165,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $7,490
- Property tax (1.25%)
- $1,349
- Homeowners insurance
- $300
- Mortgage insurance
- $486
- HOA dues
- $202
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
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 $45,325 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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