3550 Ridge Line
San Bernardino, CA, 92407
$1,160,000
MLS: CV25257112
Beds
4
Baths
3
Sq Ft
2,920
Lot
0.37 ac
Year Built
2020
MLS #
CV25257112
Days on Market
141
Listed
Nov 10, 2025
Description
Perched on a premium ridge with panoramic sunrise mountain views and sparkling city lights at night, this 2020 designer built residence blends luxury living with proven income. Set on an expansive 16,000 sqft lot, the home offers 4 spacious bedrooms and 3 bathrooms in an open concept layout ideal for entertaining. The chef’s kitchen features quartz countertops, a large center island, stainless steel appliances, and a walk-in pantry. The resort style backyard elevates desert living with a custom cocktail pool, 2 gas firebowls, covered patio, and total privacy with no rear neighbors. The master suite includes a spa-like soaking tub, dual vanities, and a generous walk-in pantry. Invisible upgrades add peace of mind and long-term value: whole-house fire sprinklers and smart thermostat. Currently operating as an active vacation rental generating $149,064 from Oct 2024–Sept 2025, offering immediate, turnkey investment potential. Just minutes from CSUSB, canyon hiking trails, and easy 210/215 freeway access, this rare ridge-top home delivers luxury, views, and passive income in one exceptional package.
Location
San Bernardino, San Bernardino County, CA 92407
Open on Google Maps ↗Listed by: Carolyne Beaulne Seguin · RE/MAX TIME REALTY
Payment estimate
$8,358
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $116,000 · Loan: $1,044,000
- Principal & Interest
- $6,415
- Property tax (1.25%)
- $1,208
- Homeowners insurance
- $300
- Mortgage insurance
- $435
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 $40,600 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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