3929 Modesto Drive
San Bernardino, CA, 92404
$439,900
MLS: IV26032358
Beds
3
Baths
1
Sq Ft
1,109
Lot
0.19 ac
Year Built
1955
MLS #
IV26032358
Days on Market
46
Listed
Mar 5, 2026
Description
Welcome to this well-maintained 3-bedroom, 1-bath home in San Bernardino offering inviting curb appeal and thoughtful upgrades throughout. A spacious cement driveway leads to the 2-car garage, with a clean cement walkway guiding you to the front entrance. The landscaped front yard features a lush lawn, and neatly trimmed hedges, creating a warm and welcoming first impression. The white stucco exterior is complemented by a reddish-brown shingle roof and solar panels for added energy efficiency. Inside, you’ll find comfortable carpet flooring throughout the living and dining areas, including newer carpet in the living room, approximately 6 months old. The kitchen features rich brown cabinetry, with white tile countertops and backsplash, and comes equipped with a stove that is approximately 3 years old. All three bedrooms are well-sized and conveniently located near the full bathroom, offering practical functionality for families, guests, or a home office setup. Major system upgrades provide peace of mind: the HVAC condenser was replaced about 2 years ago, the water heater is brand new, and the electrical panel has been upgraded to 220V, with new electrical wiring run throughout the home. Additionally, the sewer line in the yard has been redone—an important improvement that adds long-term value. Step outside to a spacious backyard designed for relaxing or entertaining, featuring a large covered patio over a concrete slab and a beautifully landscaped lawn. Cement block walls offer privacy, accented by trimmed hedges and mature shrubbery for a clean, finished look. With solid upgrades, energy efficiency, and inviting outdoor space, this home is ready for its next owner to make it their own.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: TYLER HUNGERFORD · KELLER WILLIAMS RIVERSIDE CENT
Payment estimate
$3,356
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $43,990 · Loan: $395,910
- Principal & Interest
- $2,433
- Property tax (1.25%)
- $458
- Homeowners insurance
- $300
- Mortgage insurance
- $165
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $15,397 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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