2686 N Lugo
San Bernardino, CA, 92404
$539,888
MLS: MB26029482
Beds
3
Baths
3
Sq Ft
1,700
Lot
0.28 ac
Year Built
1939
MLS #
MB26029482
Days on Market
13
Listed
Feb 11, 2026
Description
FULLY REMODELED 3 bedroom, 3 bath single-family home offering modern living, featuring TWO primary suites, new flooring throughout, fresh interior and exterior paint, new HVAC, and a beautifully updated kitchen and bathrooms. Sitting on two parcels with a gated front yard, this home delivers comfort, privacy, and endless possibilities while maintaining excellent proximity to the 210 Freeway, nearby schools, park, shopping, and dining. With ample space for a full ADU and more, this is the ideal opportunity for a buyer looking to add value or settle into their forever home. Don’t miss your chance to make this home yours — schedule a showing today!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: LUIS ALVAREZ · Excellence RE Real Estate
Payment estimate
$4,050
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $53,989 · Loan: $485,899
- Principal & Interest
- $2,985
- Property tax (1.25%)
- $562
- Homeowners insurance
- $300
- Mortgage insurance
- $202
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $18,896 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 San Bernardino, CA 92404 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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