2055 N Colony
San Bernardino, CA, 92407
$505,000
Original list price: $535,000
MLS: IG26135150
Beds
3
Baths
3
Sq Ft
2,073
Lot
0.05 ac
Year Built
2015
MLS #
IG26135150
Days on Market
114
Listed
Jul 2, 2026
Description
DETACHED • NO SHARED WALLS • 2,073 SQ FT • FLEX ROOM • 2-CAR GARAGE • LOW HOA. Exceptional Value in North San Bernardino! Move-in-ready, detached home in the desirable Colonies at University Park, offering 3 bedrooms, 2.5 baths. The versatile floor plan features a spacious bonus/flex room, separate living area, and half bath on the first level, ideal for a home office or additional living space. Upstairs, the bright open concept living area flows into the kitchen featuring granite countertops, breakfast bar, abundant cabinetry, recessed lighting, and plenty of storage. The spacious primary suite includes a private balcony, walk-in closet, and ensuite bath, while two additional bedrooms offer comfortable space for family or guests. Additional features include an upstairs laundry room with built-in cabinetry, custom interior paint, upgraded carpet with premium padding, ceiling fans, raised-panel doors, tankless water heater, and upgraded garage door opener with battery backup. Located in the foothills of North San Bernardino near Cal State San Bernardino, shopping, dining, parks, hiking trails, and the 210 and 215 freeways. Enjoy the privacy of a detached home, a spacious and flexible floor plan, low HOA, and a newly adjusted price. Move in Ready!
Location
San Bernardino, San Bernardino County, CA 92407
Open on Google Maps ↗Listed by: Judith Sailors · EXP REALTY OF CALIFORNIA INC.
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
$4,322
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $50,500 · Loan: $454,500
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,122
- Property tax (1.25%)
- $526
- Homeowners insurance
- $300
- Mortgage insurance
- $189
- HOA dues
- $184
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 $17,675 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 92407 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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