4096 E Luna Paseo 45
Ontario, CA, 91764
$612,800
MLS: TR26118036
Beds
3
Baths
3
Sq Ft
1,390
Lot
—
Year Built
2023
MLS #
TR26118036
Days on Market
16
Listed
May 31, 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
$4,939
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $61,280 · Loan: $551,520
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,493
- Property tax (1.25%)
- $638
- Homeowners insurance
- $300
- Mortgage insurance
- $230
- HOA dues
- $278
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 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.
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Local Market Stats
See Ontario, CA 91764 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
Only large teams outsell Mike Watson · Keller Williams Realty
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