3095 Pepper Tree Lane
San Bernardino, CA, 92404
$675,900
MLS: IG26037562
Beds
3
Baths
3
Sq Ft
2,303
Lot
0.25 ac
Year Built
1950
MLS #
IG26037562
Days on Market
52
Listed
Feb 25, 2026
Description
LARGE REDUCTION IN PRICE! Arrowhead Country Club Home! Each morning, the sun rises gently over the lush greens of Arrowhead Country Club, and from your front door you can see the some of the fairway stretching out like your own private park. Step inside and the warmth of beautiful wood flooring welcomes you. The family room invites laughter and easy evenings by the fireplace, while the living room tells its own story. A graceful, curved picture window framing the outside world like art, fireplace ready for cozy nights. Kitchen has granite countertops that gleam under soft light, a casual dining nook, built-in desk with a wine storage rack stands ready for recipes, homework, or planning your next celebration. Formal dining room sets the stage for dinner parties. Ceiling fans stir a gentle breeze throughout the home, while double-pane windows keep things comfortable.3 bedrooms and 3 baths, there is room for everyone to feel at home. Two bedrooms offer built-in drawers within the closet areas. Every space feels intentional and designed for comfort. Outside, the story continues. A sparkling pool and spa shimmer under the California sky, completely fenced with wrought iron for both beauty and peace of mind. The covered patio becomes your favorite retreat, the place for weekend barbecues, sunset dinners, and quiet evenings. A storage shed keeps everything organized, the two-car garage includes a dedicated workroom. Set on an expansive 10,800 square foot lot, this 2,303 square foot home offers not just space, but possibility. This isn’t just a house across from a golf course. It’s the beginning of your next chapter. Make it yours!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: JEAN MILLIGAN · CENTURY 21 LOIS LAUER REALTY
Payment estimate
$4,995
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $67,590 · Loan: $608,310
- Principal & Interest
- $3,738
- Property tax (1.25%)
- $704
- Homeowners insurance
- $300
- Mortgage insurance
- $253
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 $23,657 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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