317 Spruce Lane
Sugarloaf, CA, 92386
$389,900
MLS: 219131141PS
Beds
3
Baths
2
Sq Ft
702
Lot
0.11 ac
Year Built
1967
MLS #
219131141PS
Days on Market
278
Listed
Jun 5, 2025
Description
Gorgeous chalet mountain cabin. Completely remodeled interior (with permits), new kitchen (cabinets, countertops, and appliances), new stonework at wood stove, new windows, the decks are completely freshened up and have a privacy diffuser wall built at rear deck, freshly painted inside and out. This house is a perfect getaway vacation home. Fenced, partially furnished, 1.5 car garage, and a large 1/2 bathroom with laundry. There is a huge 17' x 19' space above the 17' x 19' garage that can be converted to livable space or simply can just be used for storage.There are only 2 bedrooms on tax rolls but that can be changed to a 3 bedroom on assessor records by simply adding a closet at an approximate expense of $1,000 each (2 upstairs bedrooms).
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: Brian Gilligan · Oakview Real Estate
Payment estimate
$3,008
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $38,990 · Loan: $350,910
- Principal & Interest
- $2,156
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $13,647 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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