$579,990
MLS: SW26125979
Beds
4
Baths
3
Sq Ft
2,008
Lot
0.07 ac
Year Built
2025
MLS #
SW26125979
Days on Market
7
Listed
Jun 9, 2026
Description
ADDRESS TO THE COTTAGES:12665 4th Street, Yucaipa CA 92399. ** Introducing Plan 2 at Cottages at 4th, a beautifully designed new two-story home offering 2,008 sq. ft. with 4 bedrooms and 2.5 baths. >>> $20,000 BUILDER INCENTIVE THROUGH JULY 4, 2026! < << Blending modern efficiency with timeless cottage charm, this home is built with energy-saving spray foam insulation, an included solar system, LED lighting, and pre-set for install of an EV charger. The open-concept first level features a gourmet kitchen with quartz countertops, stainless steel appliances, and real wood soft-close cabinetry, all overlooking a spacious great room and dining area. An 8’ sliding glass door seamlessly connects the indoor space to the backyard, perfect for entertaining. Upstairs, the private primary suite showcases a spa-inspired bath with quartz counters, dual sinks, upgraded fixtures, and a large walk-in closet. Three additional bedrooms and a conveniently located laundry room complete the second floor. Luxury Vinyl Plank flooring enhances the first level and baths, while plush carpet brings comfort to bedrooms. Additional features include front yard landscaping, a 14’ x 10’ concrete backyard patio (with expansion options), black hardware finishes. Located in a private 15-home community, The Cottages offers a rare opportunity to own a stylish new construction home in Yucaipa.** Builder is offering buyer incentives that may be applied toward closing costs, interest rate buy-downs, home upgrades, or a combination thereof. * PAID SOLAR. (Incentives are subject to change without notice and are not guaranteed AND subject to seller approval and lender guidelines).
Location
Yucaipa, San Bernardino County, CA 92399
Open on Google Maps ↗Listed by: James Brennan · Brenson Realty, Inc.
Payment estimate
$4,662
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $57,999 · Loan: $521,991
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,306
- Property tax (1.25%)
- $604
- Homeowners insurance
- $300
- Mortgage insurance
- $217
- HOA dues
- $234
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
Financing Options
FHA Financing — 3.5% Down+
First-time and repeat buyers can purchase this Yucaipa home with as little as 3.5% down using an FHA loan — roughly $20,300 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
See Yucaipa, CA 92399 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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