2104 St. Bernard Drive
Pine Mountain Club, CA, 93222
$674,999
MLS: SR26061299
Beds
4
Baths
3
Sq Ft
2,958
Lot
0.30 ac
Year Built
2006
MLS #
SR26061299
Days on Market
3
Listed
Apr 6, 2026
Description
Set above the village, where the horizon opens and the forest begins, 2104 St. Bernard Drive feels removed in all the right ways. Light moves through the home from morning to evening, shifting across walls of glass and settling into the warmth of wood floors and a sculptural river rock hearth. The great room is both expansive and grounded — a space designed as much for quiet mornings as it is for gathering. Beyond, the deck becomes an extension of the living space, suspended above the landscape with uninterrupted views and nothing behind but protected greenbelt. The primary suite offers a slower rhythm — private, connected to the outdoors, with a bath designed for pause. Upstairs, the home softens into flexibility: guest rooms, balconies, and tucked-away spaces that invite retreat, creativity, or rest. Ownership includes access to Pine Mountain Club’s amenities—pool, golf, tennis, equestrian center, and clubhouse—along with essential services like road maintenance, snow removal, trash, and 24/7 patrol. A refined mountain residence where architecture, setting, and lifestyle align.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Tanner Brown · Jennings Realty
Payment estimate
$4,989
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $67,500 · Loan: $607,499
- Principal & Interest
- $3,733
- Property tax (1.25%)
- $703
- Homeowners insurance
- $300
- Mortgage insurance
- $253
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 Pine Mountain Club home with as little as 3.5% down using an FHA loan — roughly $23,625 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 Pine Mountain Club, CA 93222 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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