2530 E Penelope
Ontario, CA, 91762
$1,050,000
MLS: WS26074349
Beds
5
Baths
5
Sq Ft
3,436
Lot
0.12 ac
Year Built
2020
MLS #
WS26074349
Days on Market
11
Listed
Apr 8, 2026
Description
Welcome to this beautifully maintained home in the highly sought-after Shade Tree community of Ontario Ranch, offering a refined blend of modern design, natural light, and functional living. The home features a bright open-concept layout with expansive windows that fill the living and dining areas with natural light. The seamless flow into the kitchen creates a comfortable space for both everyday living and entertaining, complemented by clean finishes and a modern aesthetic throughout. Upstairs, the primary suite serves as a private retreat with a spacious layout, dual-sink vanity, and well-appointed bathroom. Additional bedrooms are generously sized and versatile, ideal for family, guests, or a home office. A standout feature is the backyard, designed for both enjoyment and ease of maintenance. The extended covered patio and expansive concrete space provide the perfect setting for outdoor dining, gatherings, or relaxing in a private setting. Additional highlights include a dedicated laundry room with utility sink, ample storage throughout, and an attached garage. Residents of Shade Tree enjoy access to resort-style amenities including a pool, spa, clubhouse, BBQ areas, and parks. Ideally located near shopping, dining, and with convenient access to the 15 and 60 freeways.
Location
Ontario, San Bernardino County, CA 91762
Open on Google Maps ↗Listed by: Jianmiao Chen · Pinnacle Real Estate Group
Payment estimate
$7,594
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $105,000 · Loan: $945,000
- Principal & Interest
- $5,806
- Property tax (1.25%)
- $1,094
- Homeowners insurance
- $300
- Mortgage insurance
- $394
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $36,750 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 Ontario, CA 91762 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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