3258 Garfield Street
San Bernardino, CA, 92407
$899,000
MLS: CV26055797
Beds
5
Baths
3
Sq Ft
3,363
Lot
0.27 ac
Year Built
2019
MLS #
CV26055797
Days on Market
28
Listed
Mar 13, 2026
Description
Imagine a home where every detail tells a story of care and quality, a home that has truly been cherished. Your search for a home that HAS IT ALL - ends here! In the coveted Verdemont foothills, this 5-bed, 3,363 sq. ft. masterpiece offers a lifestyle of unparalleled luxury and tranquility—without the premium price tag. Built in 2019 and enhanced with over $175,000 in thoughtful upgrades, this is the home you thought you couldn’t find. Step behind a custom iron gate into your private corner-lot oasis, featuring custom wrought iron exterior accents. Inside, a flowing floor plan with elegant porcelain tile and luxury hard surface flooring leads to a gourmet kitchen and a stunningly remodeled primary spa-bath. But the true heart of this home is the nearly 1,000 sq. ft. 'outdoor living room'—a covered, climate-controlled patio overlooking a terraced yard and a mature fruit orchard. This is California living at its finest. Start your mornings with coffee on the quiet front patio, watching the sunrise over the foothills. Spend afternoons harvesting fresh fruit from your own private orchard—apples, avocados, pomegranates, and more. Function matches beauty with a fully owned solar system, an EV charger in the 3-car garage, and no HOA. Offering breathtaking foothill views and proximity to top schools and trails, this home is a rare opportunity to gain space, luxury, and a connected community. This isn’t just a house; it’s the backdrop for a life well-lived. Don't just buy a house—own the HOME you have been waiting for - because it is finally here!
Location
San Bernardino, San Bernardino County, CA 92407
Open on Google Maps ↗Listed by: Joseph Limo · EXP REALTY OF CALIFORNIA INC
Payment estimate
$6,545
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $89,900 · Loan: $809,100
- Principal & Interest
- $4,971
- Property tax (1.25%)
- $936
- Homeowners insurance
- $300
- Mortgage insurance
- $337
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $31,465 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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