32361 Spinel
Lucerne Valley, CA, 92356
$315,000
MLS: HD26040284
Beds
3
Baths
2
Sq Ft
1,572
Lot
0.64 ac
Year Built
2008
MLS #
HD26040284
Days on Market
16
Listed
Feb 23, 2026
Description
Pride of Home Ownership at its finest!! This well-maintained and lovingly cared-for 3-bedroom, 2-bath home offers just shy of 1,600 sq. ft. of comfortable living space. Enjoy a spacious living room, indoor laundry room and year-round comfort with central heat and air, plus an evaporative cooler for peace of mind during hot summer days. The property includes a two-car attached garage and a fully fenced backyard, perfect for privacy and entertaining. In the back yard you will find a garden/greenhouse area, with an additional fenced area perfect for more gardening or even a safe place to let your animals enjoy some sun. You can’t miss the massive mature pine tree in the front yard, and eucalyptus trees lining the side of the property. Relax beneath the shade of your mature trees while taking in beautiful valley views. Priced go sell, this one won’t last long. Give me a call today to schedule your private showing!!
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Donald Staff · Oasis Realty Group
Payment estimate
$2,488
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $31,500 · Loan: $283,500
- Principal & Interest
- $1,742
- Property tax (1.25%)
- $328
- Homeowners insurance
- $300
- Mortgage insurance
- $118
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 Lucerne Valley home with as little as 3.5% down using an FHA loan — roughly $11,025 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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