32786 Topaz Road
Lucerne Valley, CA, 92356
$329,900
MLS: HD25238409
Beds
3
Baths
2
Sq Ft
1,270
Lot
0.64 ac
Year Built
2025
MLS #
HD25238409
Days on Market
175
Listed
Oct 13, 2025
Description
New Construction home with a spectacular view. Three bedrooms, two bathrooms, 1270 sq feet with oversized 20x20 garage. Indoor laundry area. Two full bathrooms, master bedrooms have his and her closets. Spacious kitchen with dining room area. Special 0 down financing available.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Dino De Fazio · Artisan Real Estate
Payment estimate
$2,592
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $32,990 · Loan: $296,910
- Principal & Interest
- $1,824
- Property tax (1.25%)
- $344
- Homeowners insurance
- $300
- Mortgage insurance
- $124
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 $11,547 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.
Similar Homes Nearby
Active and pending listings in ZIP 92356 (Lucerne Valley) within ±10% of this home's price and size.
$310,000
36160 Palm Road
Lucerne Valley, 92356
$329,900
32224 Emerald
Lucerne Valley, 92356
$350,000
9210 Cherokee Trail
Lucerne Valley, 92356
$359,900
33393 EL DORADO Drive
Lucerne Valley, 92356
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.