ActiveSingleFamilyResidence

3557 W Seco

San Bernardino, CA, 92407

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$835,000

MLS: CV26075053

Beds

5

Baths

4

Sq Ft

3,101

Lot

0.18 ac

Year Built

2021

MLS #

CV26075053

Days on Market

8

Listed

Apr 11, 2026

Description

Turn-key and beautifully upgraded, this 4-bedroom, 3-bath home is located in the gated Homes at Rancho Palma community. Built in 2021 on a desirable corner lot, it features a 3-car garage, owned solar, and a private 1 bed/1 bath casita/ADU—ideal for guests or multi-generational living. Inside, enjoy high ceilings, recessed lighting, and a bright open layout with a spacious great room and built-in surround sound. The kitchen offers quartz countertops, a large island with bar seating, beverage fridge, upgraded appliances, and a walk-in pantry. The main floor includes a bedroom and full bath, while upstairs features a loft, three bedrooms, and a spacious primary suite with custom built-ins, a walk-in closet, soaking tub, separate shower, and dual vanities. A hall bath and laundry room add convenience. The low-maintenance backyard with turf and concrete is perfect for entertaining. Ideally situated across from a park and close to schools, shopping, and dining.

Location

San Bernardino, San Bernardino County, CA 92407

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Listed by: Briana Price · The Agency

Payment estimate

$6,100

/ month (est.)

Principal, interest, taxes, and insurance + PMI. Down payment: $83,500 · Loan: $751,500

%
Principal & Interest
$4,617
Property tax (1.25%)
$870
Homeowners insurance
$300
Mortgage insurance
$313
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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 $29,225 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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