4096 E Luna Paseo 45
Ontario, CA, 91764
$612,800
MLS: TR26020953
Beds
3
Baths
3
Sq Ft
1,390
Lot
—
Year Built
2023
MLS #
TR26020953
Days on Market
62
Listed
Jan 29, 2026
Description
4096 E Luna Paseo #45, Ontario, CA 91764 – Excellent cash-flow investment in a gated “Iron Gate” community with low property tax and a tenant in place through December 2026. This 3-bedroom, 2.5-bathroom home (effectively 3 beds/3 baths) features a 2-car tandem garage, relatively new construction with minimal maintenance, and provides monthly rent of $3,200 for clear, reliable cash flow. Located in a prime rental area near Target, Ontario Mills Outlet, restaurants, and supermarkets, with convenient transportation and strong long-term rental demand. Perfect for investors seeking stable, turnkey income and long-term ROI.
Location
Ontario, San Bernardino County, CA 91764
Open on Google Maps ↗Listed by: Shisheng Yu · Real Broker
Payment estimate
$4,557
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $61,280 · Loan: $551,520
- Principal & Interest
- $3,389
- Property tax (1.25%)
- $638
- Homeowners insurance
- $300
- Mortgage insurance
- $230
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 $21,448 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 91764 (Ontario) within ±10% of this home's price and size.
$566,000
1985 E Harvard Privado A
Ontario, 91764
$570,000
816 Amador
Ontario, 91764
$575,000
3588 E Indigo Privado
Ontario, 91764
$599,900
2846 E Via Fiano
Ontario, 91764
$599,999
945 E 5th
Ontario, 91764
$600,000
1717 E Princeton
Ontario, 91764
★#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.