426 Citrus Union Street
Upland, CA, 91784
$1,320,000
Original list price: $1,399,000
MLS: 26990659
Beds
5
Baths
5
Sq Ft
3,925
Lot
0.16 ac
Year Built
2015
MLS #
26990659
Days on Market
33
Listed
Sep 24, 2026
Description
Welcome to 426 Citrus Union Street, a two-story home of about 3,925 square feet in Upland's Montrose neighborhood. The residence offers five bedrooms, four full bathrooms, a powder room, and an upstairs loft. Ceilings are high throughout, the plan is square and practical, and natural light reaches the main living areas. The property sits south of the 210 Freeway in the Upland Unified School District. Daily errands are close along Foothill Boulevard and at nearby parks. Colonies Crossroads, Victoria Gardens, and Ontario Mills cover larger shopping and dining, with Ontario International Airport a straightforward drive. Features include central air, plantation shutters, recessed lighting, extra linen storage, arched openings, upgraded laminate flooring, and an attached three-car garage. A water softener is in place. On the first floor, a bright living room opens toward the kitchen and dining room. The kitchen has maple cabinets, granite counters, stainless-steel appliances, an oversized island, and a large walk-in pantry. The family room has multiple windows. A bedroom suite and powder room on this level can serve as a guest room or office. The second floor holds four bedrooms and a laundry room with cabinets and a utility sink. The primary suite has a sitting area and a large walk-in closet. The primary bath includes two separate vanities, a partitioned toilet with storage, a shower, and a soaking tub. Two secondary bedrooms share a dual-access (Jack and Jill) bathroom. The loft works as an office or media space. The backyard and patio look toward the mountains, with a shaded seating area and fruit trees including mulberry, peach, and sweet pomelo. A community park nearby has seating and a pet waste station.
Location
Upland, San Bernardino County, CA 91784
Open on Google Maps ↗Listed by: Chih-Hua Kuo · eXp Realty of California Inc
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$10,499
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $132,000 · Loan: $1,188,000
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $8,161
- Property tax (1.25%)
- $1,375
- Homeowners insurance
- $300
- Mortgage insurance
- $495
- HOA dues
- $168
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 Oct 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 Upland home with as little as 3.5% down using an FHA loan — roughly $46,200 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 Upland, CA 91784 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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