384 E 39th
San Bernardino, CA, 92404
$540,000
MLS: IV26228417
Beds
3
Baths
2
Sq Ft
1,821
Lot
0.17 ac
Year Built
1954
MLS #
IV26228417
Days on Market
7
Listed
Oct 21, 2026
Description
Charming Home Near Arrowhead Country Club! Located in one of San Bernardino’s most desirable neighborhoods, just around the corner from Arrowhead Country Club, this lovely traditional home offers space, character, and a warm, inviting atmosphere. Situated on a generous 7,200-square-foot lot with beautiful mountain views, this spacious three-bedroom, two-bathroom home features an appealing floor plan with multiple living areas designed for comfortable everyday living and entertaining. Inside, you’ll find beautiful laminate floors, a dedicated dining room nook, and a fireplace that adds warmth and character. A sunken living room with a wood-burning stove provides a cozy retreat, perfect for relaxing on cool evenings. Step outside to a beautiful backyard, perfect for entertaining guests, enjoying outdoor dining, or simply unwinding in your own private space. The home is nestled along charming, tree-lined streets in a desirable neighborhood, with schools within walking distance. Enjoy the convenience of being close to shopping, everyday amenities, and outdoor recreation, with Lake Gregory approximately 12.8 miles away and Lake Arrowhead approximately 18.7 miles away. Thoughtfully cared for and full of charm, this wonderful property offers an opportunity to make a home in a highly sought-after area. Come experience all that this special home has to offer!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: RICKII COE · CAL STATE REALTY SERVICES
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
$4,403
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $54,000 · Loan: $486,000
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,338
- Property tax (1.25%)
- $563
- Homeowners insurance
- $300
- Mortgage insurance
- $203
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 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $18,900 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.
★#1 Producing Individual Realtor, Antelope Valley
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