4232 Coyote Road
Phelan, CA, 92371
$329,000
MLS: CV25280733
Beds
5
Baths
4
Sq Ft
1,152
Lot
2.50 ac
Year Built
1986
MLS #
CV25280733
Days on Market
85
Listed
Dec 27, 2025
Description
2 Homes on 1 Lot! Don't miss out on this Spacious 2.5-acre property featuring two separate homes on one lot, offering exceptional versatility for multigenerational living, rental income, or investment potential. Each residence provides its own private living space and yard area. The primary residence offers 2 bedrooms and 2 bathrooms, a welcoming front porch, two spacious dens providing flexible living or office space, and a spacious detached three-car garage ideal for storage space, and potential for a future conversion to an ADU. The second residence offers 3 bedrooms and 2 bathrooms, Utilities are thoughtfully configured with one water meter and two separate electricity meters, allowing for functional separation between the homes and both homes are equipped with evaporative cooling. A unique property perfect for owner-occupants, extended families, or investors seeking multiple income streams on a single parcel.
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: Ariana Rios · CENTURY 21 PRIMETIME REALTORS
Payment estimate
$2,585
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $32,900 · Loan: $296,100
- Principal & Interest
- $1,819
- Property tax (1.25%)
- $343
- Homeowners insurance
- $300
- Mortgage insurance
- $123
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 Phelan home with as little as 3.5% down using an FHA loan — roughly $11,515 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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