4005 Scarlet Oak Court
San Bernardino, CA, 92407
$649,900
MLS: IG26192440
Beds
3
Baths
2
Sq Ft
1,580
Lot
0.11 ac
Year Built
2018
MLS #
IG26192440
Days on Market
46
Listed
Sep 2, 2026
Description
Beautifully upgraded single-story home in the highly desirable Rosena Ranch community! Featuring an open floor plan, upgraded flooring with no carpet, plantation shutters, accent walls, and a stunning custom fireplace feature wall with stone surround, wood mantel, and built-in cabinetry and shelving. Additional upgrades include an owned solar system with paid-off Tesla Powerwall battery storage, a separate leased solar system, upgraded electrical panel, Tesla Level 2 charger, whole-house fan, whole-house water softening system, alkaline drinking water supplied to the refrigerator and dedicated kitchen faucet, and smart-home features throughout. Enjoy a beautifully landscaped backyard with covered patio, paved walkways, brick retaining walls, fruit trees, pathway lighting, and gated side access. The garage features epoxy flooring and overhead storage racks. Rosena Ranch offers resort-style pools, clubhouse, fitness center, splash park, BBQ areas, playgrounds, sports facilities, and a nearby K-8 school.
Location
San Bernardino, San Bernardino County, CA 92407
Open on Google Maps ↗Listed by: Pablo Balvastro · EXP REALTY OF CALIFORNIA INC.
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$5,395
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $64,990 · Loan: $584,910
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,050
- Property tax (1.25%)
- $677
- Homeowners insurance
- $300
- Mortgage insurance
- $244
- HOA dues
- $125
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $22,747 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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Local Market Stats
See San Bernardino, CA 92407 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor, Antelope Valley
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