244 Moreno Lane
Sugarloaf, CA, 92386
(No pictures available yet)
$359,000
MLS: IV26091994
Beds
2
Baths
2
Sq Ft
1,132
Lot
0.09 ac
Year Built
1979
MLS #
IV26091994
Days on Market
2
Listed
May 4, 2026
Description
Turnkey mountain retreat with a rare 3% assumable loan—an exceptional opportunity in today’s market. This fully furnished Gambrel- style (barn-style) mountain home captures the classic Big Bear charm with modern comfort throughout. Step inside to a dramatic stone fireplace and updated laminate flooring that creates a warm, inviting space. The spacious kitchen flows seamlessly to the backyard—ideal for entertaining or relaxing after a day on the slopes, mountain biking or walk. The main level features a full bath and dedicated laundry area, while upstairs offers two generously sized bedrooms and a shared bath. One bedroom includes direct access to a private deck where you can take in peaceful forest views and local wildlife. Enjoy multiple outdoor living spaces, including a front deck perfect for morning coffee and a backyard patio complete with outdoor furnishings and picnic table. Flat lot with easy access, front and side parking, plus a large storage shed. Situated in a quiet Sugarloaf neighborhood, just minutes from Big Bear Lake, ski resorts, hiking trails, shopping, and dining. Whether you’re looking for a full-time home, weekend escape, or income-producing rental, this property checks all the boxes.
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: KENNETH ADKINS · CENTURY 21 LOIS LAUER REALTY
Payment estimate
$2,821
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $35,900 · Loan: $323,100
- Principal & Interest
- $2,013
- Property tax (1.25%)
- $374
- Homeowners insurance
- $300
- Mortgage insurance
- $135
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 May 14, 2026
- 30-year fixed
- 6.36%
- 15-year fixed
- 5.71%
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $12,565 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Sugarloaf property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Sugarloaf, CA 92386 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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