1388 N Lugo Avenue
San Bernardino, CA, 92404
$448,000
Original list price: $460,000
MLS: IG26224919
Beds
2
Baths
1
Sq Ft
902
Lot
0.18 ac
Year Built
1923
MLS #
IG26224919
Days on Market
13
Listed
Oct 26, 2026
Description
Opportunity meets potential! This inviting 2-bedroom, 1-bath home sits on a spacious 7,750-square-foot lot with room to bring your vision to life. An updated kitchen and wood laminate flooring add style and everyday comfort, while newly added parking along the right-side driveway offers extra convenience. The generous lot offers potential for future expansion, and an existing detached room presents an opportunity to explore conversion into an ADU, subject to permits and city approval. Whether you’re looking to personalize your home or explore future possibilities, this property is full of promise. Schedule your showing today!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: Rosa Elena Ortiz · KW College Park
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
$3,666
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,800 · Loan: $403,200
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,731
- Property tax (1.25%)
- $467
- Homeowners insurance
- $300
- Mortgage insurance
- $168
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $15,680 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 San Bernardino, CA 92404 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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