1632 N Lugo Avenue
San Bernardino, CA, 92404
$449,000
MLS: IG26068220
Beds
3
Baths
1
Sq Ft
1,224
Lot
0.20 ac
Year Built
1949
MLS #
IG26068220
Days on Market
14
Listed
Mar 31, 2026
Description
Welcome to this charming 3-bedroom, 1-bath home offering 1,224 sq ft of comfortable living space, perfectly situated on a spacious 8,505 sq ft lot. This inviting property features a bright and open floor plan, enhanced by an abundance of windows that fill the home with natural light. The spacious kitchen is designed for both functionality and style, complete with granite countertops and plenty of room for cooking and gathering. The living room offers a cozy fireplace, creating the perfect space to relax and unwind. Fresh new exterior paint adds to the home’s curb appeal, giving it a clean and updated look. Step outside to a generously sized backyard with endless possibilities. The detached garage provides excellent potential for an ADU (Accessory Dwelling Unit), making this property ideal for additional rental income, multi-generational living, or future expansion. Whether you're a first-time buyer or an investor looking for opportunity, this home offers a perfect blend of comfort, value, and potential. Don’t miss out on this versatile property with room to grow!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: Cristina Caministeanu · eXp Realty of California Inc
Payment estimate
$3,419
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,900 · Loan: $404,100
- Principal & Interest
- $2,483
- Property tax (1.25%)
- $468
- 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 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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $15,715 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.
Similar Homes Nearby
Active and pending listings in ZIP 92404 (San Bernardino) within ±10% of this home's price and size.
$425,000
503 E 28th Street
San Bernardino, 92404
$430,000
6647 Merito
San Bernardino, 92404
$430,000
720 Orchid
San Bernardino, 92404
$439,900
3929 Modesto Drive
San Bernardino, 92404
$450,000
1572 Belle
San Bernardino, 92404
$450,000
6937 Perris Hill Park Road
San Bernardino, 92404
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.