349 Settlers Rd
Upland, CA, 91786
$715,000
MLS: PW26204368
Beds
4
Baths
3
Sq Ft
1,972
Lot
0.08 ac
Year Built
1999
MLS #
PW26204368
Days on Market
31
Listed
Sep 21, 2026
Description
Welcome to this stunning, turn-key residence located in the highly desirable, gated Heartland community of Upland! Boasting 1,972 square feet of beautifully designed living space, this home blends the spacious feel of a single-family property with the low-maintenance lifestyle of a premier condominium. Steeped in natural light, the main front entryway opens into a bright, open-concept floor plan that seamlessly connects the main living room and dining area perfect for both daily living and effortless entertaining. The heart of the home is the chef-ready kitchen, which features a direct service entrance from the attached 2-car garage, making grocery trips a breeze. With 4 generously sized bedrooms and 2.5 bathrooms, this split-level layout offers maximum privacy and versatility for families, guests, or a dedicated home office. Enjoy the peace of mind that comes with living in a secure, well-maintained gated community with a low monthly HOA fee. Conveniently situated near top-rated schools, local parks, shopping, and dining, this Upland gem is ready for its next chapter.
Location
Upland, San Bernardino County, CA 91786
Open on Google Maps ↗Listed by: Fanny Hernandez Alvarez · Realty Connection Group
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$5,869
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $71,500 · Loan: $643,500
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,420
- Property tax (1.25%)
- $745
- Homeowners insurance
- $300
- Mortgage insurance
- $268
- HOA dues
- $136
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 Oct 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 Upland home with as little as 3.5% down using an FHA loan — roughly $25,025 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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Local Market Stats
See Upland, CA 91786 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
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