186 Kern Avenue
Sugarloaf, CA, 92386
$199,900
MLS: IV26066256
Beds
2
Baths
2
Sq Ft
896
Lot
0.05 ac
Year Built
1980
MLS #
IV26066256
Days on Market
4
Listed
Mar 26, 2026
Description
Investor opportunity in the desirable mountain community of Sugarloaf! This property presents a great value-add opportunity for investors, contractors, or buyers looking for a project. Situated on a spacious lot with strong potential, this home is ready for improvements and customization. Just 10 minutes from Big Bear Lake, outdoor recreation, shopping, and dining, the property offers excellent upside as a resale, rental, or vacation home. This is a prime opportunity to add value and maximize returns. Bring your vision and unlock the potential this property has!
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: JACQUELINE JONES · COLDWELL BANKER ASSOC BRKR/CL
Payment estimate
$1,689
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $19,990 · Loan: $179,910
- Principal & Interest
- $1,105
- Property tax (1.25%)
- $208
- Homeowners insurance
- $300
- Mortgage insurance
- $75
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $6,997 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.
Local Market Stats
See Sugarloaf, CA 92386 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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