145 N First Avenue
Upland, CA, 91786
$569,990
MLS: OC26021587
Beds
3
Baths
3
Sq Ft
1,477
Lot
—
Year Built
2025
MLS #
OC26021587
Days on Market
5
Listed
Jan 29, 2026
Description
Towns on First is a community of solar-powered homes in the heart of downtown Upland. Lot 27, a model home, features 3 bedrooms, a direct access 2-car garage, private deck, and walk-in closests. Standard features include stainless kitchen appliances as a part of our upgraded appliance package, flat panel kitchen cabinets with soft close doors and drawers, smart learning thermostat, LED lighting and more! [Towns on First][Plan 3]
Location
Upland, San Bernardino County, CA 91786
Open on Google Maps ↗Listed by: Tina Ballard · City Ventures Construction, Inc.
Payment estimate
$4,641
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $56,999 · Loan: $512,991
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,232
- Property tax (1.25%)
- $594
- Homeowners insurance
- $300
- Mortgage insurance
- $214
- HOA dues
- $301
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 Jun 18, 2026
- 30-year fixed
- 6.47%
- 15-year fixed
- 5.81%
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 Upland home with as little as 3.5% down using an FHA loan — roughly $19,950 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 Upland, CA 91786 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
Only large teams outsell Mike Watson · Keller Williams Realty
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