1440 Pepper Tree
San Bernardino, CA, 92404
$575,000
MLS: TR26227737
Beds
4
Baths
3
Sq Ft
1,517
Lot
0.17 ac
Year Built
1951
MLS #
TR26227737
Days on Market
7
Listed
Oct 21, 2026
Description
Welcome to 1440 Pepper Tree Lane, a beautifully renovated property offering an excellent opportunity for investors, multi-generational living, or an owner-occupant looking for additional rental income. This property features two separate living spaces: a spacious 3-bedroom, 1.5-bathroom main house and a private 1-bedroom, 1-bathroom back unit, providing flexibility and privacy for residents. Together they offer approximately 1,517 sq ft of living space on a generous 7,200 sq ft lot. Both spaces have been fully remodeled with modern finishes throughout, creating a fresh, contemporary feel. Upgrades include luxury vinyl flooring, new dual-pane windows, a new roof, new kitchen cabinets with sleek quartz countertops, and updated bathroom vanities. Each bathroom has been completely refreshed with new tubs and showers and modern tile finishes. The main house offers a comfortable three-bedroom layout with a convenient half bath for guests, while the separate back unit gives extended family, a tenant, or long-term guests their own private space with a full kitchen and bath. One of the standout features is the solar panel system, which dramatically reduces monthly electricity costs. In a region where summer cooling bills climb fast, that means real, predictable savings — and for an owner-occupant renting out the back unit, lower operating costs on top of monthly income. Step outside and the backyard delivers. A large sparkling pool anchors the space, perfect for summer gatherings, weekend barbecues, birthday parties, or simply unwinding after a long day. With fresh landscaping and generous yard space, there's plenty of room for entertaining and enjoying the California sunshine. With its extensive renovations, functional two-unit layout, money-saving solar, and entertainer's backyard, 1440 Pepper Tree Lane is a rare opportunity to own a turnkey property with both immediate appeal and long-term upside. Schedule your private showing today.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: Peter Aguilar · Top Producers Realty Partners
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
$4,669
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,500 · Loan: $517,500
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,555
- Property tax (1.25%)
- $599
- Homeowners insurance
- $300
- Mortgage insurance
- $216
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 Oct 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $20,125 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.
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