2405 St Bernard
Pine Mountain Club, CA, 93222
$700,000
MLS: SR25262133
Beds
4
Baths
2
Sq Ft
3,021
Lot
0.18 ac
Year Built
1991
MLS #
SR25262133
Days on Market
11
Listed
Nov 17, 2025
Description
Nestled in the scenic Pine Mountain Club community, this stunning 4-bed, 2-bath, 3,021 sq. ft. mountain retreat features soaring vaulted pine-wood ceilings, a spacious great room with a wood-burning fireplace, and expansive view decks overlooking the surrounding forest. The gourmet kitchen offers granite counters, stainless steel appliances, an island with breakfast bar, and double ovens. The primary suite includes its own glass lookout turret, dual-sink vanity, and jetted soaking tub. With wide stairways, generous natural light, and a serene setting on a 7,688 sq. ft. lot, this home blends rustic charm with modern comfort—perfect for full-time living or a peaceful getaway.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Nick Babayan · Babayan Realty Group
Payment estimate
$5,162
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $70,000 · Loan: $630,000
- Principal & Interest
- $3,871
- Property tax (1.25%)
- $729
- Homeowners insurance
- $300
- Mortgage insurance
- $263
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 $24,500 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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