2470 Cottonwood Trail
Chino Hills, CA, 91709
$875,000
Original list price: $899,500
MLS: DW26073217
Beds
4
Baths
3
Sq Ft
1,434
Lot
0.12 ac
Year Built
1984
MLS #
DW26073217
Days on Market
168
Listed
Apr 6, 2026
Description
Welcome to 2470 Cottonwood Trail, a beautifully refreshed 4-bedroom, 2.5-bath Chino Hills home offering approximately 1,434 sq. ft. on a 5,280 sq. ft. lot with an attached 2-car garage. Inside you'll find an updated kitchen with new cabinetry and countertops, new flooring, fresh interior and exterior paint, comfortable living spaces and a private backyard ready for relaxing or entertaining. Enjoy everything Chino Hills has to offer with convenient access to The Shoppes at Chino Hills, Costco, restaurants, parks, McCoy Loop and miles of local trails, Big League Dreams Sports Park, plus easy access to the 60 and 71 freeways. Nearby schools include Eagle Canyon Elementary, Canyon Hills Junior High and Ruben S. Ayala High School. If you've wanted to own in Chino Hills but today's interest rates have been holding you back, this may be an opportunity worth exploring. Ask your agent how the seller-financing option could be structured around your down payment and purchasing goals. You may be closer to making this home yours than you think.
Location
Chino Hills, San Bernardino County, CA 91709
Open on Google Maps ↗Listed by: Americo Peralta · Americo Peralta
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
$6,992
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $87,500 · Loan: $787,500
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,452
- Property tax (1.25%)
- $911
- Homeowners insurance
- $300
- Mortgage insurance
- $328
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Chino Hills home with as little as 3.5% down using an FHA loan — roughly $30,625 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 Chino Hills, CA 91709 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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