25624 Cottonwood Road
Loma Linda, CA, 92354
$1,150,000
MLS: IG26102417
Beds
4
Baths
4
Sq Ft
2,617
Lot
0.18 ac
Year Built
2026
MLS #
IG26102417
Days on Market
32
Listed
May 15, 2026
Description
Brand New Construction | Main Home + ADU | No HOA | No Mello Roos Welcome to this stunning, never-lived-in new construction home in the heart of Loma Linda — offering the perfect blend of modern luxury, thoughtful design, and incredible investment potential. With a spacious 2,073 sq ft main residence plus a fully independent 544 sq ft ADU, this property is ideal for multigenerational living or generating rental income from day one. The main home offers 3 bedrooms, 3 bathrooms, and a dedicated home office, all wrapped in an effortlessly light and bright open floor plan. Soaring ceilings and a generous hallway create an airy, welcoming atmosphere from the moment you enter. The chef-inspired kitchen is a true showpiece — timeless white cabinetry, gleaming quartz countertops, and a dramatic waterfall-edge island anchor the space beautifully, complemented by stainless steel appliances including a refrigerator and washer/dryer. The luxurious primary suite features dual walk-in closets, a dual vanity, a separate walk-in shower, and a stunning floating soaking tub. A Jack and Jill bathroom serves the secondary bedrooms with style and functionality. The attached 2-car garage with direct access adds everyday convenience. The private ADU features 1 bedroom, 1 bathroom, and its own laundry room with washer and dryer — completely self-sufficient and move-in ready. Situated next to a park, minutes from top-rated schools, shopping, LLUMC, and freeway access — this is Loma Linda living at its finest.
Location
Loma Linda, San Bernardino County, CA 92354
Open on Google Maps ↗Listed by: Cristina Caministeanu · eXp Realty of California Inc
Payment estimate
$8,485
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $115,000 · Loan: $1,035,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,556
- Property tax (1.25%)
- $1,198
- Homeowners insurance
- $300
- Mortgage insurance
- $431
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 Loma Linda home with as little as 3.5% down using an FHA loan — roughly $40,250 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.
Similar Homes Nearby
Active and pending listings in ZIP 92354 (Loma Linda)within ±10% of this home's price and size.
Local Market Stats
See Loma Linda, CA 92354 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
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.