39036 Sage
Lucerne Valley, CA, 92356
$425,000
MLS: CV26031031
Beds
4
Baths
2
Sq Ft
1,974
Lot
4.88 ac
Year Built
2002
MLS #
CV26031031
Days on Market
23
Listed
Feb 14, 2026
Description
Single-family residence located in Lucerne Valley. Built in 2002, the home includes 4 bedrooms and 2 bathrooms with approximately 1,974 sq ft on a slab foundation. The primary suite includes a soaking tub, separate shower, and walk-in wardrobe. Rarely found in the area, the property features an improved 960 sq ft detached accessory building with finished interior space, providing substantial additional utility beyond the main home. Buyer to verify permits, zoning, and allowable use. Property improvements include a private well with well house, 5,000-gallon water storage tank, and cement septic tank. Site features include two chicken coops, one pig pen, three storage structures, and a workshop.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Daniel Guerra · KALEO REAL ESTATE COMPANY
Payment estimate
$3,252
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,500 · Loan: $382,500
- Principal & Interest
- $2,350
- Property tax (1.25%)
- $443
- Homeowners insurance
- $300
- Mortgage insurance
- $159
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 $14,875 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.