13548 Smokestone Street
Rancho Cucamonga, CA, 91739
$1,760,000
MLS: TR25188371
Beds
7
Baths
5
Sq Ft
3,779
Lot
0.45 ac
Year Built
1990
MLS #
TR25188371
Days on Market
244
Listed
Aug 20, 2025
Description
Main House plus 2025 NEW ADU on a 19,600 sq ft lot! No HOA, No Mello-Roos. Ideal for multi-generational living or live one and rent one out. Exceptional multi-dwelling estate. 1,200 sq ft 2025 built Double entrance door ADU with 10 ft ceiling, 3 bedrooms, 2 bath, modern European cabinetry, panorama windows, pay-off Tesla solar panels, EV charger outlet and 2 car extra size garage. Whether used for rental income, in-laws, guests, or a home office, this space offers endless possibilities. Main house has 4 bedrooms and 3 baths and 2,579 square feet of living area, a cement tile roof and a 3-car garage. 1 bedroom and 1 bathroom downstairs. The entry opens to the formal living room and separate dining room with vaulted ceiling. The kitchen offers ample cabinet and counter space plus eat-in kitchen area. The family room is open to kitchen and features a cozy fireplace. There is a separate laundry room downstairs with upper storage cabinets. Upstairs you will find the primary bedroom with double closets and ensuite bath with separate tub and shower. The third and fourth bedrooms share a hall bath with double basins and tub-shower combination. There is patio sunroom on the rear of the house. Block walled rear yard features an in-ground pool and spa and lattice covered patio with brick accents. The lot is cross fenced with two storage sheds on site plus gated RV Parking! 2 houses have its own individual electrician meter and house number. Rare opportunity to own a truly multi-functional and luxurious compound in prime Rancho Cucamonga!
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: Chi Sam · IRN Realty
Payment estimate
$12,526
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $176,000 · Loan: $1,584,000
- Principal & Interest
- $9,732
- Property tax (1.25%)
- $1,833
- Homeowners insurance
- $300
- Mortgage insurance
- $660
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 $61,600 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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