3903 E Carmel Privado
Ontario, CA, 91761
$599,900
MLS: AR26045969
Beds
3
Baths
3
Sq Ft
1,652
Lot
0.02 ac
Year Built
2024
MLS #
AR26045969
Days on Market
41
Listed
Mar 9, 2026
Description
Located in the heart of Ontario Ranch, 3903 E Carmel Privado Ontario is a beautifully designed 3-bedroom, 2.5-bath modern townhome offering 1652 sq ft of contemporary living within the sought-after Moonstone at Sunset Ranch community. Built in 2024, this ENERGY STAR -certified home features an open-concept great room with 9-foot ceilings, a gourmet kitchen with quartz countertops and stainless Whirlpool appliances, and a spacious upstairs loft perfect for a home office or lounge. The primary suite boasts a walk-in closet and dual-sink vanity, complemented by secondary bedrooms designed for comfort and privacy. A two-car attached garage, private patio, and energy-efficient solar system complete the home's practical luxury. Residents enjoy resort-style amenities including a pool, spa, pickleball and sports courts, and a dog park all within minutes of major freeways (I-15, 60) and local conveniences such as 99 Ranch Market, Stater Bros., Costco , Ontario Mills, and Cloverdale Marketplace. This home blends modern design, energy efficiency, and lifestyle accessibility ideal for comfortable living or a premium rental opportunity. The property also for lease AR26081436.
Location
Ontario, San Bernardino County, CA 91761
Open on Google Maps ↗Listed by: Wayne Yuan · IRN Realty
Payment estimate
$4,467
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,990 · Loan: $539,910
- Principal & Interest
- $3,317
- Property tax (1.25%)
- $625
- Homeowners insurance
- $300
- Mortgage insurance
- $225
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $20,997 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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