440 Saw Mill
Sugarloaf, CA, 92314
$875,000
MLS: SW25243529
Beds
4
Baths
3
Sq Ft
2,300
Lot
1.30 ac
Year Built
1980
MLS #
SW25243529
Days on Market
1
Listed
Oct 20, 2025
Description
Mountain Retreat on 1.3+ Acres Backing National Forest Tucked away in a private, tree-lined canyon and backing directly to National Forest and Conservation Land, this stunning mountain home offers unmatched privacy, panoramic views, and direct access to miles of maintained trails—right from your backyard. Designed by an artist-architect, this home is a true expression of mountain living, featuring custom tile work, hand-painted murals, and intricate metal accents throughout. With over 1.3 acres of land, it’s perfect for those seeking a peaceful retreat with room to roam and room to retreat. Inside, the home offers two spacious master bedrooms (one on the. main level), each with its own ensuite bathroom. Master #1 includes a private deck with sweeping canyon views, a skylight, a Jacuzzi tub, dual walk-in closets, gas fireplace and a custom tile shower.The living room is a showstopper, featuring massive custom windows that frame the forest views, a high-end wood-burning stove, and a cozy gas fireplace. With three separate heating zones, comfort is built into every season. The kitchen is an entertainer's dream, complete with a live-edge wood bar, skylights, custom cabinetry, a walk-in pantry with cold storage flooring, and plenty of space to gather. 4 Doors open on to the main deck for warmer seasons to let nature be the center of the main room. Additional features includes, Two 2-car garages (one attached, one detached), a mudroom separate pf living areas, Two charming bunkhouses with a brand-new deck and awning, A full-length main-level deck with multiple sitting areas, A private sauna, A seasonal stream below the home, A fully functional chicken coop and a pig/goat pen. Enjoy the best of both worlds: the serenity of nature with the convenience of town just minutes away. The county-maintained road ensures easy year-round access, including snow removal in winter. This one-of-a-kind property blends artistic design and functional living.
Location
Sugarloaf, San Bernardino County, CA 92314
Open on Google Maps ↗Listed by: Holly Cass · Summit Real Estate Enterprises
Payment estimate
$6,378
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $87,500 · Loan: $787,500
- Principal & Interest
- $4,839
- Property tax (1.25%)
- $911
- Homeowners insurance
- $300
- Mortgage insurance
- $328
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 $30,625 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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Local Market Stats
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