12721 Mediterranean
Rancho Cucamonga, CA, 91739
$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
38
Listed
Mar 12, 2026
Description
Located in one of Rancho Cucamonga’s most sought-after gated communities within the highly acclaimed Etiwanda School District, this exceptional 5-bedroom, 5-bathroom residence offers nearly 3,900 square feet of expansive living space with panoramic city and mountain views. Built in 2006 and positioned south-facing for optimal natural light, the home blends architectural elegance with long-term value — including fully paid solar panels for energy efficiency and savings. A charming private courtyard with decorative pergola entry creates a striking first impression, setting the tone for the spacious interior beyond. Inside, the thoughtfully designed floor plan offers open-concept living areas and a generously sized loft that has been creatively configured into additional flexible-use spaces, currently serving as a private retreat and home office. Whether for extended family, remote work, or personal hobbies, the layout offers exceptional versatility without sacrificing openness. The luxurious primary suite provides a peaceful escape, while the rare casita-style guest suite near the entrance adds privacy and convenience for multigenerational living or visitors. The beautifully finished backyard features a 357 sq. ft. covered patio, fruit trees, and ample space for entertaining — all complemented by sweeping foothill and city light views. Additional highlights include a wide driveway and 3-car garage, all within the prestigious Rancho Etiwanda Estates community, just minutes from award-winning schools, Victoria Gardens, dining, parks, and freeway access. A rare opportunity to own a spacious, view-oriented home in Rancho’s premier school district.
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: Shumin You · WeTrust Realty
Payment estimate
$9,886
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $138,000 · Loan: $1,242,000
- Principal & Interest
- $7,631
- Property tax (1.25%)
- $1,438
- Homeowners insurance
- $300
- Mortgage insurance
- $518
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 $48,300 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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