377 Spencer
Upland, CA, 91786
$409,900
MLS: NP26189756
Beds
2
Baths
1
Sq Ft
994
Lot
0.02 ac
Year Built
1974
MLS #
NP26189756
Days on Market
3
Listed
Aug 29, 2026
Description
Offered at $409,900! An exceptional opportunity to own a spacious 994-square-foot, single-story condo in Upland at an attractive price point for the area. Whether you’re a first-time buyer, downsizing, or looking for an investment opportunity, this 2-bedroom, 1-bath home offers an appealing combination of size, location, and value. Built in 1974, this desirable single-story floor plan provides comfortable, easy living with approximately 994 square feet of interior space and a detached 1-car garage. The $360 monthly HOA offers the convenience of community living while helping reduce the responsibilities of exterior maintenance. Located in a desirable Upland neighborhood, this home is conveniently close to shopping, dining, parks, schools, and everyday conveniences. Enjoy everything Upland has to offer, including its charming tree-lined neighborhoods, historic Downtown Upland, nearby foothill scenery, and easy access to major transportation routes. The Upland Metrolink station, The Colonies Crossroads shopping and dining, and the 10 Freeway are all conveniently accessible. At $409,900, this is a compelling opportunity to own nearly 1,000 square feet of single-story living in Upland without the price tag typically associated with larger homes in the area. Bring your vision and make 377 Spencer Ave your new home!
Location
Upland, San Bernardino County, CA 91786
Open on Google Maps ↗Listed by: David Alvarez · Nissi Agents
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
$3,624
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $40,990 · Loan: $368,910
Average 30-yr fixed rate 6.71% as of Sep 3, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,383
- Property tax (1.25%)
- $427
- Homeowners insurance
- $300
- Mortgage insurance
- $154
- HOA dues
- $360
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 Sep 3, 2026
- 30-year fixed
- 6.71%
- 15-year fixed
- 6.04%
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 $14,347 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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