3489 N D Street
San Bernardino, CA, 92405
$429,000
MLS: PW26069417
Beds
2
Baths
1
Sq Ft
830
Lot
0.13 ac
Year Built
1927
MLS #
PW26069417
Days on Market
13
Listed
Apr 1, 2026
Description
3489 N D Street is a classic Spanish-style home in North San Bernardino, set on a street lined with mature trees and well-established homes. It carries the feel of its original design, with updates that make it work for today without stripping out its character. The interior has been refreshed over time with upgraded finishes, including crown molding, smooth ceilings, resurfaced walls, and plantation shutters. The original wood floors are still in place and add a lot of warmth to the space. Storage has been improved with built-ins and an expanded closet setup, making the home more functional than you’d expect from this era, The bigger items have already been handled. Previous improvements include the roof, central heating and air, and a full electrical upgrade with a newer panel and a dedicated circuit for the spa. Lighting and ceiling fans have also been updated, along with a newer rear door leading to the backyard. Out back, you’ve got a private yard with a covered patio area and spa setup. It’s usable as-is, with room to rework or expand depending on what you want long term. The driveway runs deep and leads to a detached garage with an automatic door, giving you plenty of space for parking. From a location standpoint, you’re a few minutes from the 210 freeway with easy access to nearby shopping and everyday essentials. Overall, it’s a home with a strong base, original character, key upgrades already done, and space to make it your own without starting from scratch.
Location
San Bernardino, San Bernardino County, CA 92405
Open on Google Maps ↗Listed by: John Meraz · Coastal Pacific Realty
Payment estimate
$3,280
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,900 · Loan: $386,100
- Principal & Interest
- $2,372
- Property tax (1.25%)
- $447
- Homeowners insurance
- $300
- Mortgage insurance
- $161
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 $15,015 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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