3814 Ferndale Avenue
San Bernardino, CA, 92404
$649,900
MLS: OC26221596
Beds
—
Baths
—
Sq Ft
2,015
Lot
0.17 ac
Year Built
1965
MLS #
OC26221596
Days on Market
5
Listed
Oct 13, 2026
Description
Duplex investment opportunity in San Bernardino! Offered at $649,900, this two-story residential income property features two separate units: 3814 Ferndale Avenue on the ground floor and 3818 Ferndale Avenue upstairs. The property offers approximately 2,015 square feet of building area on a 7,566-square-foot lot, providing an opportunity for investors seeking an income-producing property. One unit is currently tenant-occupied, generating $2,300 per month in rental income ($27,600 annually), with the current lease scheduled to expire on August 31, 2027. The property offers potential for continued rental income and future investment opportunities, subject to existing lease terms and applicable tenant rights. Conveniently located near local shopping, schools, and major roadways. Buyer and buyer's agent to independently verify all property information, including square footage, unit configurations, rental income, lease terms, and occupancy status.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: Isela Mendez · West One Properties
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
$5,270
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $64,990 · Loan: $584,910
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,050
- Property tax (1.25%)
- $677
- Homeowners insurance
- $300
- Mortgage insurance
- $244
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 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 $22,747 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 92404 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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