3105 Pepper Tree
San Bernardino, CA, 92404
$675,000
MLS: WS26150895
Beds
5
Baths
2
Sq Ft
2,565
Lot
0.30 ac
Year Built
1968
MLS #
WS26150895
Days on Market
6
Listed
Jul 10, 2026
Description
Welcome to 3105 Pepper Tree Lane, a timeless 5-bedroom, 2-bathroom single-story home nestled in one of North San Bernardino's most desirable and established neighborhoods. Perfectly positioned directly across from the golf course, this property delivers unbeatable location value and endless lifestyle appeal. While the home itself boasts classic, vintage roots ready for your personal modern touches, the true star of the show is the impressive property footprint. Situated on a generously sized, expansive lot, the backyard serves as a private canvas with vast space for outdoor dining, custom gardening, a swimming pool, or future structural expansion. Inside, the highly functional floor plan, maximizing natural light, features a spacious living room, ample kitchen cabinetry, and flexible bedrooms perfect for a growing family, guests, or a dedicated home office. Complete with a rare 3-car garage, this property balances everyday utility with untapped equity potential. Conveniently located just minutes from top schools, shopping, dining, parks, and offering easy access to major freeways. Whether you are a first-time homebuyer looking to build sweat equity, a growing family wanting an oversized yard, or a savvy investor seeking a high-value flip or rental, this golf-course-adjacent gem is an extraordinary opportunity. Bring your imagination and make this property your own today!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: HUANLONG WU · CALLAWAY REALTY, INC.
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
$5,180
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $67,500 · Loan: $607,500
Average 30-yr fixed rate 6.71% as of Sep 3, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,924
- Property tax (1.25%)
- $703
- 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 Sep 3, 2026
- 30-year fixed
- 6.71%
- 15-year fixed
- 6.04%
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $23,625 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.
★#1 Producing Individual Realtor — Antelope Valley
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