354 W 13th
San Bernardino, CA, 92405
$485,000
MLS: DW26208256
Beds
3
Baths
1
Sq Ft
720
Lot
0.12 ac
Year Built
1923
MLS #
DW26208256
Days on Market
13
Listed
Sep 30, 2026
Description
Your first home could be where you put down roots and begin building wealth! Welcome home to this beautifully updated 3-bedroom with separate ADU-style space in the back.property offering modern upgrades, comfortable living! The main home has been thoughtfully remodeled with a brand-new kitchen, new flooring, new windows, air conditioning, roof and an upgraded electrical panel. The updated interior creates a clean, move-in-ready space while the major improvements provide added peace of mind for the next owner. But the real bonus is the completely renovated ADU! Whether used for extended family, a home office, guest accommodations, or potential rental income, this additional living space offers incredible versatility. For buyers looking to offset their monthly housing expenses, the ADU may provide an opportunity to generate additional income and help with the mortgage. With the main home and ADU both ready to enjoy, this property is an excellent opportunity for an owner-occupant, multigenerational household, or buyer looking for added income potential. Live in one and explore the possibilities of the other! When it’s time to head out, live performances at the historic California Theatre, cheer on the Inland Empire 66ers at San Manuel Stadium, or spend an afternoon outdoors at Seccombe Lake Park. Your first home is a big milestone. This one gives you space to imagine what comes next!
Location
San Bernardino, San Bernardino County, CA 92405
Open on Google Maps ↗Listed by: Herlinda Valdovinos · eXp Realty of Greater L.A
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
$4,009
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $48,500 · Loan: $436,500
Average 30-yr fixed rate 7.40% as of Oct 8, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,022
- Property tax (1.25%)
- $505
- Homeowners insurance
- $300
- Mortgage insurance
- $182
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 8, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.73%
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $16,975 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 San Bernardino, CA 92405 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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