4105 Ferndale
San Bernardino, CA, 92404
$598,000
MLS: WS26044165
Beds
4
Baths
3
Sq Ft
3,421
Lot
0.26 ac
Year Built
1959
MLS #
WS26044165
Days on Market
46
Listed
Mar 2, 2026
Description
The property is located in a quiet neighborhood, offering breathtaking mountain views. This large residence features expansive living areas filled with natural light, generously sized bedrooms. The 3-car garage is downstairs with a separate storage room. Private backyard with a spacious patio and mature fruit tree — perfect for entertaining, gardening, or simply unwinding in your own peaceful outdoor space.
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: Crystal Kuang · Pinnacle Real Estate Group
Payment estimate
$4,454
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,800 · Loan: $538,200
- Principal & Interest
- $3,307
- Property tax (1.25%)
- $623
- Homeowners insurance
- $300
- Mortgage insurance
- $224
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 $20,930 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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