3825 American Elm Road
San Bernardino, CA, 92407
$653,000
MLS: P1-26724
Beds
3
Baths
3
Sq Ft
2,336
Lot
0.11 ac
Year Built
2007
MLS #
P1-26724
Days on Market
59
Listed
Apr 19, 2026
Description
Step inside this beautiful two-story home, perfectly situated on a peaceful suburban street in Fontana. CA. From the moment you arrive, you'll be captivated by its charming facade, manicured front yard. As you enter through the front door, you're welcomed into a light-filled and inviting space, designed for both comfort and functionality.The ground floor features a spacious family room that flows effortlessly into a dedicated dining area, creating an ideal setting for entertaining friends or enjoying cozy evenings. The modern kitchen, conveniently adjacent to the dining space, offers a seamless transition from meal preparation to shared moments.Retreat to the second level, where you'll find three restful bedrooms. This includes a primary suite that provides a perfect sanctuary at the end of the day. With three bathrooms and a two-car garage, this home offers the convenience and modern amenities that fit today's busy lifestyle.See instructions for showings: Schedule your tours according to the showing instructions and see for yourself why this home is the perfect blend of style and substance.In addition, the first loan is an FHA loan with an effective rate of 4.25% and fully assumable. This is an additional selling point for buyers with cash. At $653,000, the buyers' down payment would be $237,000 plus closing costs. The buyer would assume the first loan of $416,000 at 4.25% with 25 years remaining. This means the property would be paid off in 25 years, becoming debt-free for the buyer.There'd be no lender approval needed for a short sale, making it a traditional transaction with a quick closing.However, the buyer must meet income and credit requirements to assume the loan. They'd also pay an assumption fee, title, and escrow.The subject property is tenant occupied. Please, do not disturb the tenants
Location
San Bernardino, San Bernardino County, CA 92407
Open on Google Maps ↗Listed by: Anthony De Johnette · Provident Real Estate Sales
Payment estimate
$5,067
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $65,300 · Loan: $587,700
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,722
- Property tax (1.25%)
- $680
- Homeowners insurance
- $300
- Mortgage insurance
- $245
- HOA dues
- $120
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 $22,855 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.
Assumable Loan — Lock In a Below-Market Rate＋
This San Bernardino property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See San Bernardino, CA 92407 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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