3975 E Fincastle St
Ontario, CA, 91761
$868,000
MLS: TR26048296
Beds
4
Baths
3
Sq Ft
2,717
Lot
0.11 ac
Year Built
2021
MLS #
TR26048296
Days on Market
44
Listed
Mar 6, 2026
Description
Welcome to this beautiful upgraded and meticulously maintained modern home in the highly desirable "Ontario Ranch community". This stunning 4 bedrooms, 3 bathrooms (1 bedroom, 1 bathroom downstairs) plus an oversized upstairs loft with potential to convert into a 5th bedroom. The expansive living room offers an open-concept layout filled with natural light, enhanced by upgraded tile flooring, carpet and elegant plantation shutters throughout the home. Upstairs, the generous primary suite features a spacious layout, a large walk-in closet, dual vanities, a soaking tub, and a separate shower. The oversized loft provides exceptional flexibility – ideal as a media room, home office, playroom, or future additional bedroom. A large upstairs laundry room with sink adds everyday convenience. The gourmet kitchen showcases quartz countertops, stainless steel appliances, a large center island, and walk-in pantry. The adjacent formal dining room and breakfast nook provide versatile dining options, perfect for entertaining or everyday living. Step out to a professionally landscaped backyard complete with a covered patio, perfect for relaxing or hosting gatherings. The home also includes central A/C and heating, 2 car garage. Nestled in a friendly community with a low HOA. Residents enjoy access to resort-style community park. It located near shopping centers, Costco, 99 Ranch Market Plaza, and convenience to connect to the 60/15/71/91 freeways. Don't miss this opportunity to make this beautiful home yours!
Location
Ontario, San Bernardino County, CA 91761
Open on Google Maps ↗Listed by: Mary Chou · ReMax 2000 Realty
Payment estimate
$6,329
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $86,800 · Loan: $781,200
- Principal & Interest
- $4,800
- Property tax (1.25%)
- $904
- Homeowners insurance
- $300
- Mortgage insurance
- $326
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 $30,380 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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