4531 S Luna Privado
Ontario, CA, 91761
$725,000
Original list price: $735,000
MLS: CV26140479
Beds
2
Baths
2
Sq Ft
1,512
Lot
0.08 ac
Year Built
2021
MLS #
CV26140479
Days on Market
12
Listed
Jul 6, 2026
Description
55+ GATED COMMUNITY!! PAID OFF SOLAR!! Welcome to 4531 S. Luna Privado, an exceptional single-level residence nestled within the exclusive gated 55+ community of Esperanza in Ontario Ranch. Designed for comfort, style, and ease of living, this beautifully enhanced home offers approximately 1,512 square feet of well-planned space featuring 2 bedrooms and 2 bathrooms. From the moment you walk in, you’ll appreciate the airy, open layout complemented by expansive glass sliders that invite in natural light and create a seamless connection to the outdoor living spaces. The primary suite serves as a private retreat, complete with direct access to the backyard making it ideal for enjoying quiet mornings or relaxing evenings along with a spacious en-suite bath and oversized walk-in closet. At the heart of the home, the chef-inspired kitchen is both functional and stylish, showcasing sleek quartz surfaces, stainless steel appliances, a generous island perfect for gathering, and abundant cabinetry for storage. The space flows effortlessly into the main living and dining areas, making it ideal for entertaining or day-to-day living. Thoughtful upgrades can be found throughout, including Porcelain Tiled flooring, ceiling fans, and energy-efficient features such as fully owned PAID OFF solar and a tankless water heater system. Every detail has been carefully considered to provide both beauty and practicality. Step outside to a private, low-maintenance backyard designed for enjoyment without the upkeep, complete with a covered patio, and landscaped elements that offer a peaceful outdoor setting. The home’s positioning enhances privacy while maintaining an open, inviting feel. Residents of Esperanza enjoy access to the impressive La Jolla Club, featuring over 9,000 square feet of resort-style amenities including a sparkling pool and spa, fitness center, social spaces, pickleball and bocce courts, dog park, and a vibrant calendar of community events. The neighborhood is secured with gated entry and fosters an active, welcoming lifestyle (with only one resident required to meet the 55+ age guideline). Situated in one of Ontario Ranch’s most convenient locations, this home is just moments from the 15, 60, and 91 freeways, Ontario Airport, and a variety of popular shopping and dining destinations. This is a rare opportunity to own a turnkey, upgraded home in a premier active adult community perfect for those seeking comfort, convenience, and a lifestyle to match!
Location
Ontario, San Bernardino County, CA 91761
Open on Google Maps ↗Listed by: Gabriel Sanchez · INFINITY REALTY SALES CO
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
$5,726
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $72,500 · Loan: $652,500
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,159
- Property tax (1.25%)
- $755
- Homeowners insurance
- $300
- Mortgage insurance
- $272
- HOA dues
- $240
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 Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $25,375 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 Ontario, CA 91761 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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