38450 State Highway 18
Lucerne Valley, CA, 92356
$389,900
MLS: HD26028868
Beds
2
Baths
1
Sq Ft
1,306
Lot
6.74 ac
Year Built
1950
MLS #
HD26028868
Days on Market
27
Listed
Feb 7, 2026
Description
Beautifully rehabilitated homestead ready for new owners. This serene, private 6.74 acre property is perfect for retirement, a second home, or an Airbnb. Located on an upper slope with valley and mountain views, it’s just 30 minutes from Big Bear Lake. Features include a remodeled 1300 sq. ft. desert cabin with two bedrooms and one bath, new mini spilt heating / cooling systems, two fireplaces, level RV pads, a new roof, and solar power. The property has spring-fed water with new lines, fixtures, pump, and pressure tank. Upgrades include new flooring, countertops, kitchen cabinets, a remodeled bathroom, new hot water heater, insulation, drywall, and a new septic main line. Two large storage containers and a recently cleared spring-fed pond add to its appeal. It backs up to open government land and is 6 miles from local amenities in Lucerne Valley. Secluded, private, and perfect for someone with fresh enthusiasm.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Donald Staff · Oasis Realty Group
Payment estimate
$3,008
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $38,990 · Loan: $350,910
- Principal & Interest
- $2,156
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 Lucerne Valley home with as little as 3.5% down using an FHA loan — roughly $13,647 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.
Similar Homes Nearby
Active and pending listings in ZIP 92356 (Lucerne Valley) within ±10% of this home's price and size.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.