417 Spruce
Sugarloaf, CA, 92386
$275,000
MLS: IG26028790
Beds
2
Baths
2
Sq Ft
790
Lot
0.11 ac
Year Built
1979
MLS #
IG26028790
Days on Market
6
Listed
Feb 9, 2026
Description
Tucked away on a quiet street in desirable Sugarloaf, this freshly painted 2-bedroom, 2-bath mountain home offers comfort, charm, and an ideal setting surrounded by trees and natural beauty. Built in 1979 and set on a generous 5,000 sq ft lot, the property enjoys the peaceful forest atmosphere the neighborhood is known for, along with frequent wildlife sightings and scenic views. Inside, you’ll find approximately 790 sq ft with an open floor plan that feels bright and inviting. Large windows bring in abundant natural light, and the striking rock fireplace creates a warm focal point for cozy mountain evenings. The layout flows easily between the living area and kitchen, making the space functional for everyday living or weekend getaways. Laundry is conveniently located inside the home. While there is no garage, the property offers ample parking options for multiple vehicles or recreational toys. Whether you’re looking for a full-time residence, vacation escape, or investment opportunity, this Sugarloaf retreat delivers location, setting, and classic mountain character.
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: Michele Kersey · Vista Sotheby's International Realty
Payment estimate
$2,210
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $27,500 · Loan: $247,500
- Principal & Interest
- $1,521
- Property tax (1.25%)
- $286
- Homeowners insurance
- $300
- Mortgage insurance
- $103
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $9,625 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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