3157 E Chip Smith Way
Ontario, CA, 91762
$729,800
MLS: WS26063970
Beds
3
Baths
3
Sq Ft
1,758
Lot
0.06 ac
Year Built
2017
MLS #
WS26063970
Days on Market
26
Listed
Mar 24, 2026
Description
Ontario Ranch detached single family 2 story home with 3 bedrooms, 2.5 baths, and 1758 square feet of comfortable living on a 2,430-square-foot lot lot. House with fully paid off Solar panels worth close to $30,000 so pretty much new homeowners don't have to pay any costly electricity bills. As you enter the house, there is a half bathroom and a good size living room and dining area with patio door to backyard. Also is good size grant countertops kitchen with stainless steal gas stove, range suction hood, dishwasher and a good size walk in closet and direct access to 2 car garage. Other upgrades include lamanite wood flooring for downstairs, upstairs with carpet and laundry room comes with washer and dryer. Upstairs have 2 good size bedrooms sharing a bathroom, and Master bedroom with walk in closets and good size master bathroom. Chip Smith HOA comes with amenities including a clubhouse with a movie theater, gym, banquet rooms, libraries, a game room, and office space, pool and park. Located in the heart of Ontario Ranch, CA, this home is close to big parks, schools, nearby shopping centers, dining, and entertainment, and close proximity to the 60, 71, 15, and 91 freeways. Backyard has flooring done with low maintenance and a patio with fan.
Location
Ontario, San Bernardino County, CA 91762
Open on Google Maps ↗Listed by: TIM HUI · GRAND CITY REALTY, INC.
Payment estimate
$5,369
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $72,980 · Loan: $656,820
- Principal & Interest
- $4,036
- Property tax (1.25%)
- $760
- Homeowners insurance
- $300
- Mortgage insurance
- $274
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $25,543 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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