2651 Emerald Bay
Rialto, CA, 92377
$684,500
Original list price: $695,000
MLS: CV26126646
Beds
4
Baths
3
Sq Ft
2,253
Lot
0.09 ac
Year Built
2023
MLS #
CV26126646
Days on Market
49
Listed
Jun 10, 2026
Description
Welcome to this beautiful 4-bedroom, 3-bathroom home located in the highly desirable River Ranch community of North Rialto. Designed for both comfort and functionality, this home features a convenient downstairs bedroom and full bathroom, plus a versatile den/office that is perfect for working from home, a playroom, or additional living space. Stylish barn doors have been added at the hallway entry to the downstairs bedroom, providing enhanced privacy and a custom designer touch. This energy-efficient home also includes leased solar panels, helping provide potential savings on monthly utility costs while supporting a more sustainable lifestyle. Seller is willing to allow a qualified buyer to assume the existing Rocket Mortgage loan with an attractive 5.99% interest rate, offering a unique opportunity to potentially secure below-market financing. Buyers should verify eligibility and loan assumption requirements with the lender. Enjoy breathtaking mountain views and access to an impressive collection of resort-style community amenities. Residents can take advantage of the sparkling pool, clubhouse, and community center complete with a kitchen, game areas, and rentable event space for private gatherings and celebrations. Outdoor enthusiasts will love the tennis courts, pickleball courts, half basketball court, walking trails, playground, and dog park, providing endless opportunities for recreation and relaxation. Ideally situated near Renaissance Marketplace, you'll enjoy convenient access to shopping, dining, entertainment, and everyday necessities. With quick access to both the 210 and 215 Freeways, this location is perfect for commuters traveling throughout the Inland Empire and beyond. Don't miss the opportunity to own a home in one of North Rialto's most sought-after master-planned communities, offering modern amenities, scenic surroundings, and a vibrant neighborhood lifestyle.
Location
Rialto, San Bernardino County, CA 92377
Open on Google Maps ↗Listed by: Chris Camarena · HAUS OF REAL ESTATE
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
$5,498
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $68,450 · Loan: $616,050
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,955
- Property tax (1.25%)
- $713
- Homeowners insurance
- $300
- Mortgage insurance
- $257
- HOA dues
- $273
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 Aug 20, 2026
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
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 Rialto home with as little as 3.5% down using an FHA loan — roughly $23,958 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 Rialto, CA 92377 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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