2095 W Birch Street
San Bernardino, CA, 92410
$585,000
MLS: RS26039133
Beds
5
Baths
2
Sq Ft
1,761
Lot
0.19 ac
Year Built
1957
MLS #
RS26039133
Days on Market
45
Listed
Mar 4, 2026
Description
Welcome to this beautifully renovated 5-bedroom, 1¾-bath home situated on a spacious corner lot in San Bernardino. The home features fresh interior and exterior paint, new windows, new flooring, a renovated kitchen and bathrooms, and a new water heater. The bright living room includes a large window overlooking the front yard, providing abundant natural light. Additional interior features include ceiling fans throughout, a linen closet, and a laundry room with storage that can also serve as office or play space. The property offers excellent outdoor accessibility with three rear doors leading to the backyard, including one bedroom with direct backyard access, along with two side gates, a side yard patio, and both rear and side yard areas. A long driveway provides parking for up to five vehicles, and the large lot offers added flexibility. With its layout and lot size, the property may offer potential for an ADU or Junior ADU conversion (buyer to verify with the City of San Bernardino). Property qualifies for the 0% downpayment program!!!!!!
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Denise Waters · Realty Executives All Cities
Payment estimate
$4,364
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,500 · Loan: $526,500
- Principal & Interest
- $3,235
- Property tax (1.25%)
- $609
- Homeowners insurance
- $300
- Mortgage insurance
- $219
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 $20,475 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 92410 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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