2165 Sepulveda
San Bernardino, CA, 92404
$570,000
Original list price: $590,000
MLS: IV26082950
Beds
4
Baths
2
Sq Ft
1,715
Lot
0.14 ac
Year Built
1926
MLS #
IV26082950
Days on Market
116
Listed
Apr 16, 2026
Description
Tenants in the front unit just moved out, and it is available for viewing!! Please DO NOT disturb tenants in the rear house. Two detached single-family homes on one lot. Ideal for an owner live in one and rents out the other house. This will essentially reduce the cost of home ownership by about half and can be financed with an FHA loan. It is located very close to San Bernardine Medical Center. The front home is big enough for a small or medium family. It offers 3 bedrooms and 1 bathroom (approx. 1,120 sq ft) and was partially updated within the past year. It was rented for $2300. The rear home includes 1 bedroom and 1 bathroom (approx. 595 sq ft), fully updated about 3 months ago. The 2-car garage attached to the rear house has been converted into additional living space (No permits), making it function as a 2-bedroom, 1-bath configuration. The current rent is $1650 a month. Property features separate gas and electric meters and a shared water meter, with 90% of water, sewer and trash bills currently billed back to tenants—enhancing operational efficiency. Strong rental history with long-term tenants and minimal vacancy over extended ownership. Tenants are on a month-to-month lease, providing flexibility for investors or future occupancy. Professionally managed and well maintained over the years, offering a turnkey investment profile with stable income characteristics.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: ALFREDO CORDOVA · ALTICORE REALTY
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
$4,414
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,000 · Loan: $513,000
Average 30-yr fixed rate 6.69% as of Aug 6, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,307
- Property tax (1.25%)
- $594
- Homeowners insurance
- $300
- Mortgage insurance
- $214
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 Aug 6, 2026
- 30-year fixed
- 6.69%
- 15-year fixed
- 6.01%
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 $19,950 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 92404 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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