4208 S Laguna
Ontario, CA, 91761
$589,900
MLS: DW26074067
Beds
3
Baths
3
Sq Ft
1,652
Lot
0.02 ac
Year Built
2024
MLS #
DW26074067
Days on Market
8
Listed
Apr 8, 2026
Description
New construction feel without the wait. Turnkey 2024-built end-unit in Ontario Ranch with paid-off solar, EV charger, and premium upgrades already in place. Welcome to 4208 S Laguna Ave, offering 1,652 sq ft of modern living with 3 bedrooms, 3 bathrooms, and a versatile loft that can easily be converted into a 4th bedroom, office, or flex space. This end-unit location provides added privacy and natural light, while custom wood shutters throughout give the home a clean, upgraded feel. The home also includes a built-in security system for added convenience and peace of mind. The fully paid-off solar system and built-in EV charger offer real monthly savings on electricity and fuel costs, making this not just a beautiful home but a smart one. An attached garage and ample guest parking conveniently located right outside the home make everyday living and hosting easy. Residents enjoy a true resort-style community with a pool and spa, park, pickleball courts, dog park, and walking trails throughout the neighborhood. Located in Ontario Ranch, one of the fastest-growing areas in the Inland Empire, the community continues to attract buyers looking for newer construction, long-term growth, and expanding amenities. Nearby shopping includes Costco, 99 Ranch Market, Stater Bros, and new retail centers, with Ontario Mills and Victoria Gardens just a short drive away, along with Topgolf and Toyota Arena for dining and entertainment. Commuters will appreciate easy access to the 60, 15, and 10 freeways, along with proximity to Ontario International Airport, and future connectivity from the Brightline West high-speed rail currently under construction. With a low HOA of $303 and a move-in ready, energy-efficient setup, this home stands out as a strong opportunity in a rapidly growing community. Property also qualifies for a $20,000 Grant.
Location
Ontario, San Bernardino County, CA 91761
Open on Google Maps ↗Listed by: Michael Sykes-Rubio · Rubio Real Estate
Payment estimate
$4,398
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,990 · Loan: $530,910
- Principal & Interest
- $3,262
- Property tax (1.25%)
- $614
- Homeowners insurance
- $300
- Mortgage insurance
- $221
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 $20,647 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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