2976 Mill Creek Road
Mentone, CA, 92359
$699,000
MLS: HD26053200
Beds
3
Baths
2
Sq Ft
2,306
Lot
0.44 ac
Year Built
1936
MLS #
HD26053200
Days on Market
11
Listed
Mar 13, 2026
Description
3 bed, 1.75 bath cabin-style foothill home on Zanja Creek in Mentone. 2,306 sq ft plus 208 sq ft guest cabin on 19,350 sq ft lot. Built 1936, updated 2003, 2013, 2016. Properties where a natural creek flows through the land rarely come to market in the Mentone foothills, and this property on Zanja Creek offers a setting where the sound of moving water becomes part of the daily atmosphere. Located on Mill Creek Road, the property includes a 2,306 square foot main home, a 208 square foot guest cabin, and a 19,350 square foot lot with the creek running through the front portion of the property. The main residence features three bedrooms and one and three-quarter bathrooms with a kitchen and living area centered around a fireplace. Two front bedrooms and an enclosed patio room were added with permits, expanding the functional living space of the home. The enclosed patio room includes a heating cook stove that creates an additional gathering space and secondary heat source. Recent interior improvements include new flooring installed in 2025 in the kitchen and bedrooms, updated recessed can lighting in the kitchen, and a new stove. An enclosed laundry room located off the primary bedroom adds everyday convenience. Major system upgrades have been completed over time. Central heating and air conditioning were installed in 2003. The septic system was replaced in 2013. Electrical updates were completed to support the permitted additions completed in 2016. In 2025, new roofs were installed on all structures across the property. In addition to the main residence, the property includes a detached guest cabin of approximately 208 square feet with a half bathroom. Additional structures include a detached one-car workshop garage, a two-car carport, a woodshed, a storage shed, and a garden shed with power in each, providing useful workspace and storage options. Outdoor improvements include updated sprinklers and downspouts installed around the main home. The property also features mature fruit trees including orange, persimmon, avocado, tangerine, lemon, and grapefruit. Set in the foothills of Mentone along Mill Creek Road, the property offers a combination of land, flexible structures, and natural surroundings that create a distinctive foothill setting within reach of nearby Redlands and surrounding Inland Empire communities.
Location
Mentone, San Bernardino County, CA 92359
Open on Google Maps ↗Listed by: Charlotte Volsch · Volsch Enterprises, Inc.
Payment estimate
$5,156
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $69,900 · Loan: $629,100
- Principal & Interest
- $3,865
- Property tax (1.25%)
- $728
- Homeowners insurance
- $300
- Mortgage insurance
- $262
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 Mentone home with as little as 3.5% down using an FHA loan — roughly $24,465 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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