31582 Clay River Road
Barstow, CA, 92311
$495,000
MLS: PW26010206
Beds
4
Baths
3
Sq Ft
2,610
Lot
2.00 ac
Year Built
1973
MLS #
PW26010206
Days on Market
60
Listed
Jan 15, 2026
Description
Seller is offering a buyer credit that may be applied toward closing costs or an interest rate buy-down making homeownership more affordable. Create your ideal family compound with this exceptional property offering two separate homes on two private acres. Perfectly designed for multi-generational living, this setup provides both togetherness and independence. The spacious 1,675 sq ft main house features 3 bedrooms and 2 baths, a welcoming drop-down living room with a fireplace, and a large kitchen for family dinners. Enjoy peace of mind knowing the home is updated with a new leach line. The luxurious master suite includes a jacuzzi tub and two large closets. The second home offers a private haven for relatives, complete with an extra-large bedroom, its own bathroom, and two new mini-splits for year-round comfort. The expansive, fully-fenced property is a playground for all ages, featuring a newly installed commercial play structure and a zipline for kids. With multiple distinct areas for pets and hobbies, this property allows you to enjoy the benefits of shared land while providing everyone their own comfortable, updated, and private space.
Location
Barstow, San Bernardino County, CA 92311
Open on Google Maps ↗Listed by: Cyrus Mohseni · The Keystone Team
Payment estimate
$3,738
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,500 · Loan: $445,500
- Principal & Interest
- $2,737
- Property tax (1.25%)
- $516
- Homeowners insurance
- $300
- Mortgage insurance
- $186
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 Barstow home with as little as 3.5% down using an FHA loan — roughly $17,325 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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